Sukanya Samriddhi Calculator
Project the SSY maturity at 21 years with 15 years of deposits.
About the Sukanya Samriddhi Calculator
Enter the yearly deposit (₹250–₹1.5 lakh), the girl’s current age and the rate. Deposits are made for 15 years; the balance keeps compounding until the 21st year.
Sukanya Samriddhi Calculator
How the calculation works
For years 1–15: B = (B + D) × (1 + r). For years 16–21: B = B × (1 + r).
| Assumption | Value |
|---|---|
| Current rate | 8.2% p.a. |
| Tenure | 21 years from opening (deposits for 15 years) |
| Minimum | ₹250 per financial year |
| Maximum | ₹1.5 lakh per financial year |
| Tax | EEE |
Read the full Sukanya Samriddhi Yojana (SSY) guide →
Ready reckoner
| Yearly deposit (15 yrs) | Total invested | Maturity at 21 yrs @8.2% | Tax-free interest |
|---|---|---|---|
| ₹12,000 (₹1,000/month) | ₹1,80,000 | ₹5,74,570 | ₹3,94,570 |
| ₹50,000 | ₹7,50,000 | ₹23,94,040 | ₹16,44,040 |
| ₹1,00,000 | ₹15,00,000 | ₹47,88,079 | ₹32,88,079 |
| ₹1,50,000 (max) | ₹22,50,000 | ₹71,82,119 | ₹49,32,119 |
Assumes deposits at the start of every FY for 15 years, the 8.2% rate unchanged for 21 years and no withdrawals.
Frequently asked questions
Does age matter?
Maturity is 21 years from opening, so age decides the maturity year.
Information is for education and comparison. Interest rates are notified by the Government every quarter and scheme rules can change — confirm with India Post, your bank, EPFO or PFRDA before investing. FinancePortal is not a financial or tax adviser.