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.
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
- Invested31.3%
- Interest68.7%
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.