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
Sukanya Samriddhi Yojana is one of the most trusted small-saving schemes in India. Families across the country rely on this scheme to secure the financial future of their daughters. It offers a safe investment, high interest rate, tax benefits and guaranteed returns after maturity. However, many parents find it difficult to calculate how much they should invest every year, what the maturity amount will be after twenty-one years, and how the interest grows year after year. This is where the Sukanya Samriddhi Yojana Calculator becomes helpful. It gives you a clear idea of the total deposit, year-wise interest, and final maturity amount in a simple and understandable way.
People often search for sukanya samriddhi yojana calculator, post office sukanya samriddhi yojana calculator, sbi sukanya samriddhi yojana calculator, sukanya samriddhi yojana calculator year wise, or even sukanya samriddhi yojana calculator in excel because they want accurate maturity calculations. The goal is to know exactly how much money they will receive at the end of the scheme. With this calculator, you get a complete picture of how your savings grow at the current 8.2 percent SSY interest rate.
No matter which bank you choose—SBI, Post Office, PNB, BOB, Canara Bank, HDFC or LIC—the Sukanya Samriddhi Yojana rules remain the same. That means the calculator works equally well for all institutions, whether you are looking for a postal sukanya samriddhi yojana calculator, India Post sukanya samriddhi yojana calculator, or sbi sukanya samriddhi yojana calculator. This tool is designed to give you year-wise projections that help you plan your daughter’s future more confidently.
The purpose of the SSY calculator is to show the total maturity amount after twenty-one years based on the amount you invest each year. Sukanya Samriddhi Yojana allows you to deposit money for fifteen years, but the account continues earning interest for twenty-one years. This means even after you stop depositing money, the account balance keeps growing. The calculator explains this growth year by year.
When you enter your yearly or monthly deposit amount, the calculator instantly displays the total amount you deposit over fifteen years, the total interest earned over twenty-one years and the maturity value at the end of the scheme. Whether you are depositing ₹500 per month, ₹1,000 per month or even ₹10,000 per month, the calculator gives a clear and accurate projection.
The current Sukanya Samriddhi Yojana interest rate is 8.2 percent per year. This interest is compounded annually, meaning the interest of the previous year also earns interest the next year. This compounding effect is what makes SSY one of the most powerful savings schemes for long-term growth. Parents who search for sukanya samriddhi yojana calculator 2025 or sukanya samriddhi yojana calculator chart are trying to understand the full advantage of this compounding.
The SSY calculator uses the compound interest formula for yearly compounding. Since deposits happen multiple times throughout the year, the calculator adjusts the interest based on annual contributions, maturity period, and compounding intervals.
Below is the general formula used to estimate the SSY growth:
A = P × (1 + r/n)^(n × t)
Where: A = Maturity Amount P = Yearly Deposit r = Interest Rate (8.2%) n = Compounding Frequency (Yearly = 1) t = Duration in Years
If a parent deposits ₹3,000 every year for fifteen years at 8.2 percent interest, the amount keeps compounding for twenty-one years. The calculator shows both the yearly interest and the final balance. This becomes useful for parents searching for sukanya samriddhi yojana calculator year wise.
Here is a clear example showing how a small monthly deposit of ₹250 grows at an 8.2 percent interest rate.
| 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 |
This second table shows the growth of a simple annual deposit of ₹3,000. It is helpful for those searching for sukanya samriddhi yojana calculator pdf or sukanya samriddhi yojana calculator in excel because it clearly displays year-wise growth.
| 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 |
The Sukanya Samriddhi Yojana can be opened in any authorized bank or post office. The rules, interest rate, maturity period, and deposit limits remain the same across all institutions. That is why the calculator is useful for those searching for:
sbi sukanya samriddhi yojana calculator post office sukanya samriddhi yojana calculator lic sukanya samriddhi yojana calculator pnb sukanya samriddhi yojana calculator canara bank sukanya samriddhi yojana calculator bob sukanya samriddhi yojana calculator hdfc sukanya samriddhi yojana calculator india post sukanya samriddhi yojana calculator
All these options follow the same interest rate and rules. This means you get the exact same maturity amount regardless of which institution you choose.
Although the calculator focuses on maturity calculation, it is useful to understand some basic rules of SSY. The account can be opened only for a girl child under the age of ten. A parent or guardian can open one account per girl child and a maximum of two accounts in a family. The minimum deposit is five hundred rupees a year, and the maximum is one lakh fifty thousand rupees. Deposits can be made for fifteen years, but the account continues earning interest for twenty-one years from the date of opening.
If you deposit regularly and allow the account to grow, the SSY balance becomes a strong financial foundation for your daughter’s education and marriage expenses. This future security is the reason people continue searching for sukanya samriddhi yojana calculator hindi or sukanya samriddhi yojana calculator economic times to get the best understanding.
The calculator follows a yearly compounding method. Every deposit you make earns interest for the remaining years. The account continues to grow even after you stop depositing money after fifteen years. The calculator adds the interest every year and shows the final maturity amount at the end of twenty-one years.
No. The SSY interest rate is the same for all banks and post offices. Whether you search for sbi sukanya samriddhi yojana calculator or post office sukanya samriddhi yojana calculator, the maturity amount is the same because the rules are identical across institutions.
Yes. The calculator and tables show how your money grows every year. If you search for sukanya samriddhi yojana calculator year wise, you will get clear information about total deposits, yearly interest, and balance.
Yes. The calculator works on the official 8.2 percent interest rate and applies annual compounding. As long as the interest rate remains the same, the maturity projections will be correct.
Many people look for sukanya samriddhi yojana calculator pdf because they want a downloadable version. You can easily copy the tables, save them in a PDF, or export the year-wise results from the calculator.
Yes. People who search for sukanya samriddhi yojana calculator in excel can use the same formula or import the year-wise data. Excel is useful for customized planning.
