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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.

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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.

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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.