Sukanya Samriddhi (SSY)
Maturity value of a Sukanya Samriddhi account.
Your inputs
₹250 to ₹1.5 lakh a year, for 15 years.
Advanced settings
When you deposit
Current rate: 8.2%.
Results
Generated on 11 Oct 2026
Your inputs
| Yearly deposit | ₹1,00,000 |
|---|---|
| Girl's age | 2 yrs |
| When you deposit | Once, by 5 April |
| Interest rate (per year) | 8.2% |
Maturity value
₹47,88,079
- Amount invested
- ₹15,00,000
- Interest earned
- ₹32,88,079
- Interest rate (per year)
- 8.20%
- Matures when she is
- 23
- Amount invested₹15,00,000(31%)
- Interest earned₹32,88,079(69%)
See how a different amount, return or period changes the result, side by side.
Year-by-year breakdown
| Girl's age | Deposit | Interest | Balance |
|---|---|---|---|
| 3 | ₹1,00,000 | ₹8,200 | ₹1,08,200 |
| 4 | ₹1,00,000 | ₹17,072 | ₹2,25,272 |
| 5 | ₹1,00,000 | ₹26,672 | ₹3,51,945 |
| 6 | ₹1,00,000 | ₹37,059 | ₹4,89,004 |
| 7 | ₹1,00,000 | ₹48,298 | ₹6,37,303 |
| 8 | ₹1,00,000 | ₹60,459 | ₹7,97,761 |
| 9 | ₹1,00,000 | ₹73,616 | ₹9,71,378 |
| 10 | ₹1,00,000 | ₹87,853 | ₹11,59,231 |
| 11 | ₹1,00,000 | ₹1,03,257 | ₹13,62,488 |
| 12 | ₹1,00,000 | ₹1,19,924 | ₹15,82,412 |
| 13 | ₹1,00,000 | ₹1,37,958 | ₹18,20,369 |
| 14 | ₹1,00,000 | ₹1,57,470 | ₹20,77,840 |
| 15 | ₹1,00,000 | ₹1,78,583 | ₹23,56,423 |
| 16 | ₹1,00,000 | ₹2,01,427 | ₹26,57,849 |
| 17 | ₹1,00,000 | ₹2,26,144 | ₹29,83,993 |
| 18 | ₹0 | ₹2,44,687 | ₹32,28,680 |
| 19 | ₹0 | ₹2,64,752 | ₹34,93,432 |
| 20 | ₹0 | ₹2,86,461 | ₹37,79,894 |
| 21 | ₹0 | ₹3,09,951 | ₹40,89,845 |
| 22 | ₹0 | ₹3,35,367 | ₹44,25,212 |
| 23 | ₹0 | ₹3,62,867 | ₹47,88,079 |
Assumptions and method
Formula
- Deposits for 15 years; maturity 21 years after opening
- Monthly interest on the lowest balance (5th to month end) × rate / 12, compounded yearly
Modelling notes
- Deposits for 15 years; the account matures 21 years after opening.
- Interest on the lowest balance between the 5th and month end, compounded yearly.
Not included
- Future rate revisions: the current rate is assumed for the whole term.
- Income tax on interest, where applicable.
Rates for Q3 FY2026-27 (1 Oct 2026 to 31 Dec 2026). Government revises small-savings rates every quarter.
This is an illustration at the rate you entered. Actual amounts depend on your bank's or lender's terms and future rate revisions.
Mutual fund investments are subject to market risks, read all scheme related documents carefully.
How it works
Sukanya Samriddhi Yojana (SSY) is a savings scheme for a girl child, opened before she turns 10. You deposit for 15 years and the account matures 21 years after opening.
Interest is calculated like PPF and compounds yearly; there are no deposits in years 16–21, but the balance keeps earning interest.
Frequently asked questions
How much can I deposit?
Between ₹250 and ₹1.5 lakh in a financial year.
Is the rate fixed?
No, it is revised every quarter. We project at the current rate.