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Sukanya Samriddhi Yojana Calculator

Calculate your daughter's SSY maturity corpus at age 21 - with year-by-year growth at the current 8.2% rate, the highest among all government savings schemes.

SSY Account Details
Current SSY rate: 8.2% p.a. - highest among all government savings schemes. EEE tax status (Invest + Interest + Maturity all tax-free under old regime).
Why SSY

Best Scheme for Your Daughter's Future

8.2% - Highest Rate

SSY offers 8.2% p.a. - higher than PPF (7.1%), NSC (7.7%), FD (7–7.5%) - making it the best risk-free return for a 15-year investment horizon.

EEE Tax Status

All three stages are tax-exempt under the old regime: investment (80C deduction), interest (tax-free) and maturity (tax-free). Superior to FD where interest is taxable.

Education & Marriage Corpus

50% partial withdrawal at age 18 for education; full corpus at 21 for marriage expenses - aligned perfectly with a girl child's life milestones.

FAQ

Frequently Asked Questions

SSY is a government savings scheme for girl children under 'Beti Bachao Beti Padhao'. Account opens for girls up to age 10; deposits for 15 years; matures at age 21. Current rate: 8.2% p.a. with EEE tax status - the highest-return government small savings scheme.

8.2% p.a. for FY 2024–25 (compounded annually) - revised quarterly by the Ministry of Finance. Historically ranged from 7.6% to 9.2%. The highest among all government small savings schemes.

Minimum: ₹250/year. Maximum: ₹1,50,000/year. Deposits for 15 years from account opening. After 15 years, no new deposits but interest continues until maturity (age 21). Missing minimum deposit incurs ₹50 penalty + ₹250 to regularise.

Full maturity at age 21. Partial withdrawal (50%) allowed at age 18 for education or marriage. Premature closure allowed if girl turns 18 and marries (30 days before to 3 months after wedding), or on her death, or life-threatening illness.

One account per girl child. Maximum 2 accounts per family. Exception: twins or triplets - a third account is allowed if the third girl is part of a twin/triplet birth, with a medical certificate.

Yes - SSY has EEE status under the old tax regime: deposit (80C deduction, exempt), interest earned (tax-free), maturity amount (tax-free). Superior to bank FDs where interest is fully taxable. SSY is one of the most tax-efficient long-term savings schemes in India.