SSY Maturity Calculator
Find out when your Sukanya Samriddhi Yojana (SSY) account matures and how old the girl child will be, along with the projected maturity amount.
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- Works on all devices
Your result
23 years
Girl's age at maturity
AI explanation
Formula
Account matures 21 years from opening; deposits required only for the first 15 years.Worked example
Opened at age 2, ₹50,000/year
| Field | Value |
|---|---|
| Annual deposit | 50000 |
| Girl's age at account opening (years) | 2 |
| Girl's age at maturity | 23 |
| Projected maturity amount | 2394039.72 |
Assumptions
- The SSY account matures exactly 21 years from the date of opening, or earlier on the girl's marriage after she turns 18.
- Deposits are required only for the first 15 years — the balance continues compounding for the remaining 6 years with no further deposits.
- Uses the current SSY interest rate of 8.2% p.a., compounded annually, for the Jul-Sep 2026 quarter.
Frequently asked questions
When does an SSY account mature?
21 years from the date of account opening — or earlier if the girl marries after turning 18, in which case the account can be closed at that point.
Do I need to keep depositing until maturity?
No — deposits are required only for the first 15 years from account opening. The balance continues earning interest for the remaining years until maturity with no further deposits needed.
What happens if I miss a yearly deposit?
A minimum deposit of ₹250/year is required to keep the account active; missing it attracts a small penalty (₹50/year) which must be paid along with the shortfall to reactivate the account.
Related calculators
Sources
- Sukanya Samriddhi Account Scheme — maturity and withdrawal rules — Ministry of Finance, Government of India. Effective 22-01-2015, reviewed 13-09-2026.
This calculator provides an estimate only, based on the current SSY interest rate, which is revised quarterly by the Ministry of Finance. Not personalized financial advice.
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