🌸

Sukanya Samriddhi Calculator

Sukanya Samriddhi Yojana, for a girl child under 10. Deposits run for 15 years, then the balance keeps compounding untouched until it matures at year 21.

No market riskGuaranteed returnMatures 21 years from opening; deposits are made only for the first 15 years

8.2% p.a. for Q2 FY 2026-27 (Jul–Sep 2026) — recorded from an official source but not yet confirmed by us. Treat it as a starting figure and check before relying on it. Source · recorded 1 Jul 2026

Maturity value

₹71,82,119

after 21 years

You invest

₹22,50,000

Interest earned

₹49,32,119

Absolute return

219.2%

total gain on money in

Annualised (XIRR)

8.78%

money-weighted

How it builds up

Maturity value₹71.8 L

Invested31.3%
Interest68.7%

Show what it is worth in today’s money

Maturity value

₹71,82,119

Interest

₹49.3 L

What the number above does not tell you

A maturity figure is only half the picture. These are the terms attached to it.

Risk: No market risk
Guaranteed by: Sovereign — backed by the Government of India
Lock-in: Matures 21 years from opening; deposits are made only for the first 15 years
Liquidity: Very low — partial withdrawal permitted for higher education after the girl turns 18
Tax treatment: EEE: deposits qualify under Section 80C, and both the interest and the maturity amount are tax-free.
Yearly limit: ₹1,50,000 maximum

Worth weighing before you commit

The account can only be opened for a girl child below 10, and one family may open at most two accounts.
The six years between the final deposit and maturity are where a large share of the corpus is built — the compounding continues with no further contribution.
The rate is revised quarterly, so a 21-year projection at today's rate is illustrative.

Other calculators

📈SIP 💰Lumpsum 🏦FD 🗓️RD 🛡️PPF 🧓NPS 💼EPF

Compare these side by side All investment calculators

SSY

SSY questions, answered

How the arithmetic on this page works, what the projection assumes, and where the output is most often misread.

A parent or legal guardian, for a girl child below a specified age, with a limit on how many accounts a family can hold. The account is in the child's name and she operates it herself once she reaches adulthood. Eligibility rules are set by the scheme and are worth confirming at the post office or bank before you plan around it.

Because the scheme has one. Deposits are made for the first fifteen years from opening, but the account matures at twenty-one years. In those final years no further deposits are required and the balance simply keeps earning the notified rate. That gap is modelled here, which is why the maturity figure is meaningfully higher than a fifteen-year projection would suggest.

A partial withdrawal is allowed once the girl reaches a set age or stage of education, capped as a share of the previous year's balance, and the account can be closed early on marriage after a specified age. Outside those cases the balance stays locked, which is the trade for the rate.

The account is treated as in default and has to be regularised with a small penalty per missed year, paid along with the minimum deposit for each. Until it is regularised the account can lose its entitlement to the notified rate. The projection here assumes an unbroken deposit record.

Sukanya Samriddhi has historically had the same exempt treatment as PPF at all three stages in India, with the deposit qualifying for deduction under the applicable section. As with any statutory scheme, this is set by legislation, depends on your tax regime, and can change — check the current year's rules.

Please note: this is a calculator, not financial advice, and we are not an adviser, broker or distributor. The figures are arithmetic on the inputs you supply. Government-set rates are revised periodically, so a long projection at today's rate is illustrative rather than a forecast. Taxation depends on your own circumstances and on rules that change. For a decision of any size, speak to a SEBI-registered investment adviser or a qualified chartered accountant.

Switching country…

What the number above does not tell you

A maturity figure is only half the picture. These are the terms attached to it.

Risk

No market risk

Guaranteed by

Sovereign — backed by the Government of India

Lock-in

Matures 21 years from opening; deposits are made only for the first 15 years

Liquidity

Very low — partial withdrawal permitted for higher education after the girl turns 18

Tax treatment

EEE: deposits qualify under Section 80C, and both the interest and the maturity amount are tax-free.

Yearly limit

₹1,50,000 maximum

Worth weighing before you commit

The account can only be opened for a girl child below 10, and one family may open at most two accounts.
The six years between the final deposit and maturity are where a large share of the corpus is built — the compounding continues with no further contribution.
The rate is revised quarterly, so a 21-year projection at today's rate is illustrative.

Sukanya Samriddhi Calculator

How it builds up

What the number above does not tell you

Worth weighing before you commit

Other calculators

SSY questions, answered

Who can open a Sukanya Samriddhi account?

Why does the calculator show a gap between deposits and maturity?

Can money be withdrawn before maturity?

What happens if a year's deposit is missed?

How is it taxed?

Sukanya Samriddhi Calculator

How it builds up

What the number above does not tell you

Worth weighing before you commit

Other calculators

SSY questions, answered

Who can open a Sukanya Samriddhi account?

Why does the calculator show a gap between deposits and maturity?

Can money be withdrawn before maturity?

What happens if a year's deposit is missed?

How is it taxed?