MINISTRY OF FINANCE · SMALL SAVINGS SCHEMES · 8.2% OFFICIAL RATE
Sukanya Samriddhi Yojana (SSY) Calculator
Compute your daughter's guaranteed tax-free wealth corpus at maturity, 15-year investment total, and accumulated compounded interest under the Beti Bachao Beti Padhao flagship initiative.
Years
0 (Infant / Newborn)5 Years10 Years (Statutory Max Age)
₹
₹250 (Statutory Min)₹50,000₹1.5 Lakh (80C Annual Cap)
%
7.6% (Historical Floor)8.2% (Current Q4 Official Rate)9.2% (Historical Peak)
📅SSY Deposit & Maturity Lifecycle:
Deposits are made for exactly 15 consecutive years. The account matures upon completion of 21 years from the opening date. During the final 6 years, zero fresh deposits are needed while interest compounds tax-free.
Guaranteed Maturity Amount
₹24,84,334
Payable to daughter at Age 22 (21 years from opening)Total Deposit (15 Years):₹7,50,000
Total Tax-Free Interest:₹17,34,334
Interest-to-Investment Multiplier:3.31x Return
Tax Exemption Status:100% Tax-Free (EEE Status)
🛡️ Exempt-Exempt-Exempt (EEE): Deposit qualifies for Section 80C deduction, annual interest accumulation is completely tax-free, and final maturity withdrawal is 100% tax-free under Section 10(11D).
21-Year Corpus Compounding Progression
Yearly breakdown showing 15 years of deposits followed by 6 years of pure compounding
| Year | Child Age | Deposit (₹) | Interest Earned (₹) | Closing Balance (₹) |
|---|
Official Sukanya Samriddhi Account Rules (2026 Revision)
- Eligibility: Account can be opened in any Post Office or authorized commercial bank by natural or legal guardians in the name of a girl child aged from 0 up to 10 years. Maximum 2 accounts per family (or 3 in case of twin/triplet girl births).
- Deposit Limits: Minimum annual deposit is ₹250; maximum deposit allowed in a financial year is ₹1,50,000 (qualifying under Section 80C).
- Premature Withdrawal for Higher Education: Up to 50% of the account balance at the end of preceding financial year can be withdrawn after the girl reaches 18 years of age or passes Class 10 for university admission.
- Account Operation: The girl child takes over operation of the account independently upon attaining 18 years of age.