Sukanya Samriddhi Yojana (SSY) Calculator
Calculate the maturity value of your daughter's SSY account.
✓ 8.2% rate (FY 2025-26) · updated June 2026
Deposits run for the first 15 years; the account matures 21 years after opening. The rate is set by the government and revised quarterly — 8.2% as of FY 2025-26 Q1.
Results are estimates for information only, not financial advice. See how we build and verify our calculators.
Sukanya Samriddhi Yojana is a government-backed savings scheme for a girl child, offering one of the highest small-savings interest rates with full tax exemption (EEE). Deposits run for the first 15 years; the account matures 21 years after opening. Enter your planned yearly deposit (₹250 to ₹1.5 lakh) to project the maturity amount at the current rate.
How to use the Sukanya Samriddhi Yojana Calculator
- Enter the amount you plan to deposit each year (₹250 – ₹1,50,000).
- Check the interest rate — we pre-fill the current government rate.
- Read the total deposited, interest earned and the maturity value at 21 years.
Frequently asked questions
How long do I deposit, and when does SSY mature?
You deposit for the first 15 years from account opening; the account then keeps earning interest and matures 21 years after opening (or on the girl's marriage after she turns 18).
Is SSY interest taxable?
No. SSY has EEE status — the deposit qualifies under Section 80C, and both the interest and the maturity amount are fully tax-free.
Does the interest rate change?
Yes. The government reviews small-savings rates every quarter. The rate is 8.2% as of FY 2025-26; your actual maturity value will reflect the rates declared over the years.