Sukanya Samriddhi Yojana Calculator
SSY — Save for Your Daughter's Future
8.2% p.a.
🔒 EEE Status — Deposits (80C) + Interest + Maturity all Tax-Free
SSY Account Details
Rs
Age
8.2%
6%10%
Maturity Amount
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Total Invested
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Total Interest
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Deposit Period
15 Years
Maturity Year
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Wealth Gain
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Growth Breakdown
What is Sukanya Samriddhi Yojana (SSY)?
Sukanya Samriddhi Yojana (SSY) is a government savings scheme launched under the Beti Bachao Beti Padhao campaign. It is specifically designed to help parents build a corpus for their daughter's education and marriage. The account can be opened for a girl child below 10 years of age at any post office or authorised bank.
SSY Key Features
The current interest rate is 8.2% p.a. — one of the highest among all government small savings schemes. Deposits must be made for 15 years, the account matures at 21 years from opening, and the entire corpus including interest is tax-free under EEE status.
Frequently Asked Questions
What is the current SSY interest rate?▾
The current SSY interest rate is 8.2% per annum (Q2 FY 2025-26), compounded annually. This is one of the highest rates among government small savings schemes and is reviewed quarterly.
When can I withdraw from SSY?▾
The account matures 21 years from opening. Partial withdrawal of up to 50% is allowed after the girl turns 18 (for education or marriage). Full premature closure is allowed when the girl turns 18 and gets married.
What is the min and max investment in SSY?▾
Minimum annual deposit is Rs 250 and maximum is Rs 1,50,000 per year. Deposits must be made for 15 years. After 15 years, the account earns interest without further deposits until maturity at 21 years.
Is SSY tax-free?▾
Yes. SSY has EEE tax status. Deposits qualify for Section 80C deduction (up to Rs 1.5 lakh), interest earned is completely tax-free, and the maturity amount is also tax-free. One of the most tax-efficient investments in India.