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
- Enter your primary figure—such as your gross salary, product price, or target investment amount—into the base input field.
- Adjust the sliders or type numbers directly into the fields to specify parameters like interest rates and tenure duration.
- Enter any additional applicable values, such as tax-saving deductions, extra fees, or custom contribution percentages.
- Review the instant breakdown results, evaluate the visual compounding charts, and download the full breakdown as a PDF report.
Example Calculation: Compounding Investment Example
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 |
|---|---|
| Investment Style | Monthly SIP |
| Monthly Contribution | ₹10,000 |
| Expected Return Rate | 12% per annum |
| Duration Period | 15 Years |
| Total Maturity Value | ₹50,45,760 |
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)