Sukanya Samriddhi Yojana Calculator

Calculate the maturity amount for a Sukanya Samriddhi Yojana (SSY) account based on your annual deposit and the girl child's age at account opening.

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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

Enter your annual deposit and the girl's age at account opening to calculate the SSY maturity amount, compounded annually at the current SSY rate.

Annual deposit *

₹

Minimum ₹250, maximum ₹1,50,000 per financial year.

Girl's age at account opening (years) *

The account must be opened before the girl turns 10.

Your result

₹47,88,079.45

Maturity amount

Total deposited (15 years)₹15,00,000

Total interest earned₹32,88,079.45

Girl's age at maturity26 years

AI explanation

Formula

Deposits made for 15 years, compounded annually at the SSY rate; balance continues compounding (no further deposits) until maturity 21 years after account opening.

Worked example

₹1,00,000/year, opened at age 5

Worked example: ₹1,00,000/year, opened at age 5
Field	Value
Annual deposit	₹1,00,000
Girl's age at account opening (years)	5
Maturity amount	₹47,88,079.45
Total deposited (15 years)	₹15,00,000
Total interest earned	₹32,88,079.45
Girl's age at maturity	26

Assumptions and limitations

This calculator assumes

SSY interest rate is 8.2% p.a., compounded annually — the rate notified for the Jul-Sep 2026 quarter. Revised quarterly by the Ministry of Finance.
Assumes the full annual deposit is made at the start of each SSY year — a simplification; real SSY interest is computed monthly on the lowest balance between the 5th and last day of the month.
Deposits are permitted only for the first 15 years from account opening; the account matures 21 years from opening (or earlier on the girl's marriage after age 18).

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

Who can open a Sukanya Samriddhi Yojana account?

A parent or legal guardian can open an SSY account for a girl child from birth until she turns 10, at a post office or authorised bank branch.

How many years do I need to deposit?

Deposits are required only for the first 15 years from account opening. After that, the account continues earning interest with no further deposits needed, until maturity at 21 years from opening.

Can I withdraw money before maturity?

Partial withdrawal of up to 50% of the balance is allowed once the girl turns 18, for higher education or marriage expenses. Premature closure is also allowed after marriage (post age 18) or in specific hardship cases.

Related calculators

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.