Calculate maturity amount, interest earned & total investment for your daughter's future savings.
Maturity Year: 2039
Total Investment: ₹5,00,130
Maturity Amount: ₹15,96,441
Interest Earned: ₹10,96,311
The Sukanya Samriddhi Yojana is a popular savings scheme for the Child girl initiative by the Government of India. This scheme helps parents or guardians build a tax-free, guaranteed corpus for their daughter's education and marriage. Use our Sukanya Samriddhi Yojana Calculator to estimate your maturity amount, year-wise returns, and interest based on your yearly or monthly investments.
Whether you are using an SBI Sukanya Samriddhi Yojana Calculator or a Post Office Sukanya Samriddhi Yojana Calculator, the formula and interest rate remain the same, as it’s a government-backed savings plan. With our tool, you can also view SSY year-wise calculations and even export data to Excel for easy record keeping.
★ Account can be opened by parents or legal guardians.
★ Girl child must be under 10 years of age.
★ Maximum of two accounts per family (three if twins are born in second birth).
★ You can open an SSY account through SBI, Post Office, or any major bank.
The best time to open a Sukanya Samriddhi Account is as early as possible after your daughter’s birth and before she turns 10 years old. Early investment means more compounding and higher maturity amount. Use our SSY maturity calculator to compare returns based on different start years.
| Year | Total Deposited (₹) | Interest Earned (₹) | Total Value (₹) |
|---|---|---|---|
| 5 | 15,000 | 4,119.08 | 19,119.08 |
| 10 | 30,000 | 17,472.35 | 47,472.35 |
| 15 | 45,000 | 44,519.79 | 89,519.79 |
| 21 | 45,000 | 98,642.38 | ₹1,43,642.38 |
| Year | Total Deposited (₹) | Interest Earned (₹) | Balance (₹) |
|---|---|---|---|
| 1 | 3,000 | 246.00 | 3,246.00 |
| 2 | 6,000 | 758.17 | 6,758.17 |
| 3 | 9,000 | 1,558.34 | 10,558.34 |
| 21 | 45,000 | 98,642.38 | ₹1,43,642.38 |
* Example for educational purposes. Actual SSY maturity may vary slightly due to compounding frequency.
The Sukanya Samriddhi Yojana is a government savings scheme launched under the Beti Bachao Beti Padhao initiative. It encourages parents to save for their girl child’s future education and marriage. You can open the account at SBI, Post Office, or any nationalized/private bank.
The SSY Calculator uses the official interest rate (currently 8.2%) and compound interest formula to estimate your maturity amount, total interest earned, and year-wise balance. Simply input your investment and duration to see results instantly.
Both use the same formula and interest rate since SSY is a central government scheme. The difference lies only in the institution (SBI vs Post Office). Our online calculator supports both, giving you the same accurate results.
Yes, our Sukanya Samriddhi Yojana Calculator Year Wise shows detailed annual deposits, interest earned, and total balance growth, helping you plan for each milestone.
Absolutely. Use the Sukanya Samriddhi Yojana Calculator in Excel option to download all year-wise calculations and projections, perfect for record-keeping or financial planning.
If you skip a year, the account becomes inactive. You can easily reactivate it by paying ₹50 penalty per missed year and depositing the due amount.
No. SSY enjoys EEE status (Exempt-Exempt-Exempt) under Income Tax rules. That means your investment, interest, and maturity are all tax-free.
The current Sukanya Samriddhi Yojana interest rate (SSY Rate 2025) is 8.2% per annum, compounded yearly. It is revised quarterly by the Government of India.
Yes. You can make a partial withdrawal up to 50% of the balance after your daughter turns 18, specifically for higher education expenses.
Unlike market-linked instruments, SSY offers guaranteed returns, tax benefits, and zero risk. It’s ideal for conservative investors focused on long-term child goals.
The Sukanya Samriddhi Yojana Calculator helps parents plan a stable financial future for their daughters. Whether you prefer SBI, Post Office, or an Excel-based SSY calculator, the result remains accurate and reliable. Use this free tool to understand year-wise growth, total maturity, and interest benefits at 8.2% return.
Remember, every small contribution counts. Start today, invest consistently, and secure your daughter’s dreams through the Sukanya Samriddhi Yojana Scheme 2025.