Sukanya Samriddhi Yojana Calculator 2025 – Online SSY Calculator, Interest Rate and Maturity Period

Sukanya Samriddhi Yojana Calculator helps you plan your investment in the Sukanya Samriddhi Yojana (SSY) scheme. Using this calculator, you can easily find out how much money you’ll get after the scheme ends. It is simple and easy to use, perfect for parents who want to secure their daughter’s future.

In this article, you will see how the SSY calculator works and how to calculate the maturity amount after 21 years. This will help you understand how your investment grows over time.

We will also talk about the benefits and some limits of the SSY calculator. Knowing these will help you make smart, informed decisions when investing.

Also Read – Sukanya Samriddhi Yojana in Hindi

Summary of the Sukanya Samriddhi Yojana

Particulars	Details
Investment value	Minimum value – Rs. 250 and Maximum value – Rs.1.5 lakh per annum
Current yearly interest rate	8.2% per annum
When can an account be opened?	Within 10 years of the birth of a girl child
Maturity value	Would vary depending on the value invested
Maturity duration	21 years from the date of investment

Also Read – How to Open a Sukanya Samriddhi Account

Overview of Sukanya Samriddhi Yojana Calculator 2025

• Sukanya Samriddhi Yojana or SSY is a savings scheme started by the Government of India in 2015 under the Beti Bachao, Beti Padhao Campaign.
• Parents and guardians can open an SSY account for a girl child at post offices or banks.
• The government updates the interest rate every three months. For April to June 2025, the interest rate is 8.20% per year.
• The minimum yearly deposit is Rs. 250, and the maximum is Rs. 1.5 lakh.
• To keep the account active, you must deposit at least Rs. 250 every year for 15 years.
• The interest earned is added to the account annually. You can withdraw the full amount when the girl turns 21 years or gets married, whichever comes first.
• At 18 years of age, you can withdraw up to 50% of the money for her higher education. The remaining money will continue to earn interest for the next three years.
• Early withdrawal is allowed only if the girl child dies or has a serious medical condition needing lifelong treatment.
• The account stops earning interest after 21 years when the scheme matures.

Sukanya Samriddhi Yojana – Features

Opening an Account

• A girl child can only have one SSY account.
• It can be opened till the girl child attains the age of 10 years.
• Only parents or legal guardians of a girl child can open an SSY account.
• SSY accounts can be opened at any post office or authorised commercial bank branch.
• Only two SSY accounts can be opened by a family, i.e. one for each girl child.
• It can be opened for more than two girls where a family has a girl child born in twins/triplets in the first or second birth in a family. However, if the order of the first birth results in two or more girl child, then no other girls child can avail the benefit of SSY in the second birth.

Beneficiary

• Any girl child who is a resident Indian can be a beneficiary under SSY from the time of opening the account till the time of maturity/closure.
• The SSY account should be operated by the girl child after she attains the age of 18 years.

Minimum and Maximum Deposit

• The minimum deposit amount for an SSY account is Rs.250 and the maximum deposit is Rs.1.5 lakh in every financial year.
• Deposits should be made in multiples of Rs.50 and have to be made up to 15 years.
• Deposits can be made through cash, cheque, demand draft or online transfer.
• The guardian can deposit the amount and operate the account till the girl child attains the age of 18.

Tax Benefits

• Investments made in the SSY scheme are eligible for deductions under Section 80C, subject to a maximum cap of Rs 1.5 lakh.
• The interest that accrues against this account which gets compounded annually is also exempt from tax under Section 10(11A) of the Income Tax Act.
• The proceeds received upon maturity/withdrawal are also exempt from income tax.

Know More About Kanya Sumangala Yojana

Formula Used to Calculate Maturity Amount

The scheme uses this compound interest formula:

A = P(1 + r/n)^(nt)

• A = Maturity amount
• P = Principal or total invested amount
• r = Interest rate (decimal)
• n = Number of compounding periods per year (usually 1)
• t = Total number of years

For example, if you invest Rs. 50,000 annually for 14 years without withdrawing, and the scheme runs for 21 years, you can calculate using this formula with the fixed rate of 7.6%.

What is the Maturity Period?

The maturity period of Sukanya Samriddhi’s savings account is 21 years or when the girl child gets married after achieving the age of 18.

Sukanya Samriddhi Yojana CalculatorYearly investment:
Girl’s age:
Start period:
Calculate