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

Data period: Sukanya Samriddhi Account rate for July–September 2026 (8.2% p.a.)
Source: National Savings Institute, Ministry of Finance (DEA), Government of India
Last updated: 24-09-2026

An SSY account matures 21 years after opening; enter your deposit and the girl's current age to see the maturity year, her age at maturity, and the projected amount.

Annual deposit *

₹

Girl's age at account opening (years) *

Your result

23 years

Girl's age at maturity

Maturity year2,047

Last year of required deposits2,041

Projected maturity amount₹23,94,039.72

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

Worked example: Opened at age 2, ₹50,000/year
Field	Value
Annual deposit	₹50,000
Girl's age at account opening (years)	2
Girl's age at maturity	23
Projected maturity amount	₹23,94,039.72

Assumptions and limitations

This calculator assumes

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.

What it does not account for

Uses the rate notified for July–September 2026. Rates are revised every quarter; whether a revision changes the return on an existing deposit depends on the scheme's rules.

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.

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Sources

Official sources

Interest Rate on National Savings Schemes (Sukanya Samriddhi Account: 8.2% p.a. for July–September 2026) — National Savings Institute, Ministry of Finance (DEA), Government of India. Effective 01-07-2026, checked 24-09-2026.