Sukanya Samriddhi Yojana Calculator
The Sukanya Samriddhi Yojana (SSY) is one of India’s best small savings schemes for the girl child, offering secure, tax-free returns and government-backed safety. If you want to plan your daughter’s future smartly, the Sukanya Samriddhi Yojana Calculator helps you estimate how much you’ll get on maturity based on your yearly deposits, tenure, and interest rate.
Sukanya Samriddhi Yojana Calculator
(सुकन्या समृद्धि योजना कैलकुलेटर)
How Does the Sukanya Samriddhi Yojana Calculator Work?
- The SSY calculator uses the compound interest formula to compute the total maturity amount after 21 years.
You just need to enter: - ✅ Age of Girl Child
- ✅ Annual Investment Amount (₹250 – ₹1.5 lakh)
- ✅ Investment Period (up to 15 years)
- ✅ Interest Rate (updated quarterly by the Government)
- Formula Used:
A=P×(1+r/100)^n
- Where:
A= Maturity AmountP= Principal Amount (total deposited)r= Annual Interest Rate (%)n= Number of years (21 years total)Example:
If you invest ₹1,50,000 every year for 15 years at an interest rate of 8%,
then the total deposit = ₹22,50,000,
and the maturity amount will be approximately ₹65,00,000 at the end of 21 years.
What is Sukanya Samriddhi Yojana (SSY)?
- The Sukanya Samriddhi Yojana is a government savings scheme launched under the Beti Bachao Beti Padhao initiative.
It allows parents or guardians to open a savings account in the name of a girl child below 10 years and deposit regularly to build a secure corpus for her education or marriage.
Benefits of Using SSY Calculator Online
- Instant Results: Get maturity amount and interest in one click.
- Helps in Planning: Decide how much to invest every year.
- Accurate & Updated: Uses current government rates.
- Free & Easy to Use: No login required.
Sukanya Samriddhi Yojana Key Features (2025)
| Feature | Details |
|---|---|
| Minimum Deposit | ₹250 per year |
| Maximum Deposit | ₹1.5 lakh per year |
| Tenure | 21 years from account opening |
| Lock-in Period | 15 years (deposits allowed) |
| Interest Rate | 8.2% (as of Oct–Dec 2025) |
| Tax Benefits | Under Section 80C (up to ₹1.5 lakh) |
| Partial Withdrawal | After 18 years for higher education |
FAQs on Sukanya Samriddhi Yojana Calculator
- Q1. What is the current SSY interest rate?
👉 The current rate (Oct–Dec 2025) is 8.2% per annum. - Q2. Can I change the deposit amount every year?
👉 Yes, you can vary your yearly investment between ₹250 and ₹1.5 lakh. - Q3. What happens if I miss a deposit year?
👉 You can reactivate the account by paying a ₹50 penalty per year plus the missed deposit. - Q4. Is Sukanya Samriddhi Yojana better than a fixed deposit?
👉 Yes, it usually offers higher tax-free returns and government security. - Q5. Can I calculate returns for multiple daughters?
👉 Yes, you can open up to two SSY accounts (one for each girl child).
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