Sukanya Samriddhi Yojana (SSY) Calculator

SSY offers 8.2% interest — highest among all small savings schemes. Deposits for 15 years, maturity at 21 years.

Yearly Investment

Interest Rate

Fixed structure: Deposits for 15 years, account matures at 21 years from opening.

Deposits (15 yrs)

Interest Earned

Total Deposits (15 years)—

Interest Earned—

Maturity Amount (21 years)—

Every Parent With a Daughter Should Know About SSY

If you have a daughter under 10, SSY should be the first thing you look at. At 8.2% with EEE tax benefits, it is unmatched. Start investing ₹1.5 lakh per year when she is born, and by age 21, the account holds approximately ₹73.65 lakh — every rupee tax-free. The extra 6 years of compounding after deposits stop add massively to the final figure.

You can open this account at any post office or authorized bank with the girl's birth certificate, parent's ID proof, address proof, and two photos. The process takes about 30 minutes. Maximum 2 accounts per family (one per daughter).

💡 Education Withdrawal: At age 18, up to 50% of the balance can be withdrawn for higher education. This is ideal for funding college without breaking the entire account.

⚠️ Disclaimer: Rate is 8.2% for Q1 FY 2026-27, subject to quarterly revision. Verify current details at your bank or post office.

Full details: SSY Scheme Guide. Also see: PPF Calculator.