Sukanya Samriddhi Yojana (SSY) is a government-backed savings scheme launched under the "Beti Bachao Beti Padhao" campaign for the benefit of girl children. It features a highly competitive interest rate (8.2% per annum for FY 2025-26), guaranteed government security, and EEE (Exempt, Exempt, Exempt) tax status under Section 80C. An account can be opened in the name of a girl child below 10 years of age by her parent or legal guardian.
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/Sukanya Samriddhi Yojana (SSY)
Sukanya Samriddhi Yojana Calculator — SSY Returns Calculator 2025-26
Indian government saving scheme planner for the girl child, offering tax benefits and high compounding interest.
Sukanya Samriddhi Yojana (SSY)
Maturity Projections
Future Wealth Value₹0
Invested Principal₹0
Returns Earned₹0
Frequently Asked Questions (FAQ)
What is the current interest rate for SSY in 2025-26?+
Can I open an SSY account for more than two daughters?+
What is the maturity period of a Sukanya Samriddhi account?+
Is partial withdrawal allowed before maturity?+
What happens if I fail to make the minimum deposit of ₹250?+
Are maturity proceeds of the SSY account taxable?+
What is Sukanya Samriddhi Yojana (SSY)?
Estimate the maturity amount of your Sukanya Samriddhi Yojana (SSY) account. Plan your savings for your girl child’s education and future expenses with guaranteed returns.
How to Use This Calculator
- Step 1: Enter your Annual Contribution
- Step 2: Enter your Annual Interest/Return Rate (%)
- Step 3: Enter your Girl's Current Age
- Step 4: Review the instant results and the visual breakdown chart below
- Step 5: Adjust any value to compare scenarios, and download the full report as a PDF
Example Calculation: Typical Inputs for the Sukanya Samriddhi Yojana (SSY) Calculator
This table shows a realistic example calculation based on standard parameters. Enter your custom numbers in the sliders above to compare results.
| Parameter | Sample Value |
|---|---|
| Annual Contribution | ₹1,00,000 |
| Annual Interest/Return Rate (%) | 8.2% |
| Girl's Current Age | 2 |
Sukanya Samriddhi Yojana (SSY) Key Facts
Below are the key details and features of the SSY account for the financial year 2025-26:
| Feature | Details |
|---|---|
| Interest Rate | 8.2% (FY 2025-26) |
| Minimum deposit | ₹250 per year |
| Maximum deposit | ₹1.5 lakh per year |
| Account maturity | 21 years from opening |
| Partial withdrawal | After girl turns 18 |
| Tax benefit | Section 80C (up to ₹1.5L) |
| Lock-in period | Until girl turns 18 |
Sukanya Samriddhi Yojana Returns & Guidelines
Mathematical Formula:
Compound Interest is calculated monthly and credited annually (Rate: 8.2% for FY 2025-26)