Sukanya Samriddhi Yojana Calculator (SSY Maturity)
Enter the yearly deposit and the girl’s age when the account was opened.
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Sukanya Samriddhi Yojana Calculator (SSY Maturity) by TheCalcTools
How the Sukanya Samriddhi Yojana Calculator (SSY Maturity) works
Sukanya Samriddhi accounts can be opened for a girl under 10. Deposits are made for 15 years from opening; the account matures 21 years after opening, and the balance keeps earning interest for the last 6 years without deposits.
Interest is compounded yearly. This calculator assumes each year’s deposit is made at the start of the year and the rate stays the same, which in reality is reset every quarter.
The formula
Worked example
Using the default values shown in the calculator:
| Yearly deposit (₹250 to ₹1,50,000) | ₹150000 |
|---|---|
| Interest rate | 8.2 % |
| Girl's age when the account is opened | 5 |
- ₹1,50,000 a year for 15 years at 8.2%: ₹71,82,119 at maturity.
- You deposit ₹22,50,000; interest adds ₹49,32,119.
Result:
| Maturity value (21 years after opening) | ₹71,82,119 |
|---|---|
| Total deposited (15 years) | ₹22,50,000 |
| Interest earned (tax-free) | ₹49,32,119 |
| Girl's age at maturity | 26 |
Frequently asked questions
Can I withdraw before maturity?
Up to 50% of the balance can be withdrawn after the girl turns 18 for higher education, and the account can be closed after 18 on marriage.
Sources and further reading
- National Savings Institute (India): Small savings schemes
- Ministry of Finance (India): small savings rates for October-December 2026 kept unchanged (PPF 7.1%, SSY 8.2%, NSC 7.7%)
- Wikipedia: Sukanya Samriddhi Account
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This calculator gives estimates for information only. It is not financial advice, and your lender's or provider's figures will govern. Rates, fees and rules vary. See our disclaimer.