Calculate your SSY maturity corpus at 8.2% per annum with quarterly compounding. Year-by-year growth chart, 21-year projection, and Section 80C deduction summary.
Step-by-step guide to get the most from this tool
Enter how much you plan to deposit each year (₹250 to ₹1,50,000).
Enter the girl's current age. SSY can be opened up to age 10.
See total invested, total interest earned, maturity corpus, and year-by-year growth chart.
What makes this tool stand out
Visual area chart showing corpus growth over all 21 years.
Uses FY quarterly rates (8.2% p.a.) with quarterly compounding on balances.
Highlights Section 80C deduction and tax-free maturity amount.
Automatically calculates account maturity and withdrawal year.
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Quick answers to common questions
The SSY interest rate for Q1 FY 2025-26 (April–June 2025) is 8.2% per annum, compounded quarterly on balances (deposits assumed on the 10th of each month). The government reviews and announces SSY rates quarterly. It has remained at 8.2% since Q3 FY 2023-24.
The minimum annual deposit in SSY is ₹250 and the maximum is ₹1,50,000 per year. Deposits can be made in a lump sum or multiple installments. Deposits must be made for 15 years from account opening. The account matures after 21 years from opening.
Yes. SSY enjoys EEE (Exempt-Exempt-Exempt) status: deposits qualify for Section 80C deduction up to ₹1.5 lakh, interest earned is fully tax-exempt, and the maturity amount is tax-free. This makes SSY one of the best tax-efficient investments for a girl child's education or marriage.
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Min ₹250 — Max ₹1,50,000
Total Deposited
₹22,50,000
Total Interest
₹51,98,931
Maturity Amount
₹74,48,931
Matures (26 yrs)
21
Corpus Growth (21 Years)
Year-by-Year Table
| Year | Deposit | Interest | Balance | Rate |
|---|---|---|---|---|
| 1 | ₹1,50,000 | ₹12,683 | ₹1,62,683 | 8.2% |
| 2 | ₹1,50,000 | ₹26,439 | ₹3,39,123 | 8.2% |
| 3 | ₹1,50,000 | ₹41,358 | ₹5,30,481 | 8.2% |
| 4 | ₹1,50,000 | ₹57,539 | ₹7,38,020 | 8.2% |
| 5 | ₹1,50,000 | ₹75,088 | ₹9,63,107 | 8.2% |
| 6 | ₹1,50,000 | ₹94,120 | ₹12,07,227 | 8.2% |
| 7 | ₹1,50,000 | ₹1,14,762 | ₹14,71,989 | 8.2% |
| 8 | ₹1,50,000 | ₹1,37,149 | ₹17,59,139 | 8.2% |
| 9 | ₹1,50,000 | ₹1,61,429 | ₹20,70,568 | 8.2% |
| 10 | ₹1,50,000 | ₹1,87,763 | ₹24,08,331 | 8.2% |
| 11 | ₹1,50,000 | ₹2,16,323 | ₹27,74,653 | 8.2% |
| 12 | ₹1,50,000 | ₹2,47,297 | ₹31,71,951 | 8.2% |
| 13 | ₹1,50,000 | ₹2,80,891 | ₹36,02,842 | 8.2% |
| 14 | ₹1,50,000 | ₹3,17,326 | ₹40,70,168 | 8.2% |
| 15 | ₹1,50,000 | ₹3,56,841 | ₹45,77,009 | 8.2% |
| 16 | ₹0 | ₹3,87,014 | ₹49,64,023 | 8.2% |
| 17 | ₹0 | ₹4,19,739 | ₹53,83,761 | 8.2% |
| 18 | ₹0 | ₹4,55,230 | ₹58,38,992 | 8.2% |
| 19 | ₹0 | ₹4,93,723 | ₹63,32,714 | 8.2% |
| 20 | ₹0 | ₹5,35,470 | ₹68,68,184 | 8.2% |
| 21 | ₹0 | ₹5,80,747 | ₹74,48,931 | 8.2% |
Deposits assumed on 10th of each month. Interest compounded quarterly @ 8.2% avg. Section 80C: up to ₹1,50,000/year. Maturity fully tax-free (EEE).
Balance = (Balance + Deposit) × (1 + r/4)^4 per yearDeposits are made for 15 years; the account matures at 21 years. Interest uses government-notified quarterly rates compounded four times per year. Deposits are assumed on the 10th of each month.
| Symbol | Meaning |
|---|---|
| r | Annual SSY interest rate (e.g. 8.2%) |
| Deposit | Annual contribution (₹250 – ₹1,50,000) |
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