Knowledge Base

Sukanya Samriddhi Yojana (SSY)

Compounding at govt. rate (currently 8.2% p.a.)

For girl child (0-10 years). Account matures when girl turns 21.

Minimum ₹250/year, Maximum ₹1.5 Lakh/year. Deposit for first 15 years only.

Triple tax benefit (EEE): Deposit, interest, and maturity — all tax-free.

Current interest rate: 8.2% — among the highest for government-backed schemes.

Partial withdrawal (50%) allowed after girl turns 18 for education/marriage.

Pro Tip

Invest the full ₹1.5L annually for 15 years — the corpus grows tax-free for remaining 6 years and can fund higher education.

Sukanya Samriddhi Yojana (SSY) - Complete Guide

Everything you need to know about Sukanya Samriddhi Yojana (SSY) and how to optimize your financial strategy.

Understanding the Formula

The core calculation is based on:

Compounding at govt. rate (currently 8.2% p.a.)

Key Concepts & Rules

For girl child (0-10 years). Account matures when girl turns 21.

Minimum ₹250/year, Maximum ₹1.5 Lakh/year. Deposit for first 15 years only.

Triple tax benefit (EEE): Deposit, interest, and maturity — all tax-free.

Current interest rate: 8.2% — among the highest for government-backed schemes.

Partial withdrawal (50%) allowed after girl turns 18 for education/marriage.

Expert Strategy

Invest the full ₹1.5L annually for 15 years — the corpus grows tax-free for remaining 6 years and can fund higher education.

How to use this Calculator?

1. Enter your specific values in the input fields above.
2. The calculator will render instant results as you type.
3. Check the breakdown table for year-by-year projections.
4. Adjust the inputs to see how different scenarios impact the final result.