Sukanya Samriddhi Yojana Calculator — 8.2% Interest (2025)
Calculate your SSY maturity corpus at 8.2% per annum compounded annually. Year-by-year growth chart, 21-year projection, and Section 80C deduction summary.
Min ₹250 — Max ₹1,50,000
Total Deposited
₹22,50,000
Total Interest
₹49,32,119
Maturity Amount
₹71,82,119
Matures In
21
Corpus Growth (21 Years)
💡 Section 80C deduction: up to ₹1,50,000/year. Interest and maturity are fully tax-free (EEE status).
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How to Use
Step-by-step guide to get the most from this tool
- 1
Enter annual deposit
Enter how much you plan to deposit each year (₹250 to ₹1,50,000).
- 2
Set girl's current age
Enter the girl's current age. SSY can be opened up to age 10.
- 3
View maturity projection
See total invested, total interest earned, maturity corpus, and year-by-year growth chart.
Features
What makes this tool stand out
Year-by-year chart
Visual area chart showing corpus growth over all 21 years.
8.2% rate
Uses the current Q1 FY 2025-26 rate of 8.2% p.a. compounded annually.
EEE tax status
Highlights Section 80C deduction and tax-free maturity amount.
Maturity year
Automatically calculates account maturity and withdrawal year.
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Frequently Asked Questions
Quick answers to common questions
What is the current interest rate for Sukanya Samriddhi Yojana?+
The SSY interest rate for Q1 FY 2025-26 (April–June 2025) is 8.2% per annum, compounded annually. The government reviews and announces SSY rates quarterly. It has remained at 8.2% since Q3 FY 2023-24, making it one of the highest guaranteed returns among small savings schemes.
What is the minimum and maximum deposit for SSY?+
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.
Is SSY tax-free?+
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.