SUKANYA SAMRIDDHI YOJANA (SSY) CALCULATOR
Calculate maturity returns for the Sukanya Samriddhi account based on your yearly deposits and the current interest rate of 8.2%.
₹50,000
Min: ₹250 | Max: ₹1,50,000 per financial year
0 Years
Age limit is 0 to 10 years at account opening
Investment Summary
Total Invested
₹7,50,000
Interest Earned
₹16,44,036
Maturity Value
₹23,94,036
Note: Deposits are required only for the first 15 years. The account earns interest for the remaining 6 years until it matures after exactly 21 years.
Year-by-Year Growth Ledger
| Year | Calendar Year | Opening Balance | Annual Deposit | Interest Earned | Closing Balance |
|---|---|---|---|---|---|
| Year 1 | 2026 | ₹0 | ₹50,000 | ₹4,100 | ₹54,100 |
| Year 2 | 2027 | ₹54,100 | ₹50,000 | ₹8,536 | ₹1,12,636 |
| Year 3 | 2028 | ₹1,12,636 | ₹50,000 | ₹13,336 | ₹1,75,972 |
| Year 4 | 2029 | ₹1,75,972 | ₹50,000 | ₹18,530 | ₹2,44,502 |
| Year 5 | 2030 | ₹2,44,502 | ₹50,000 | ₹24,149 | ₹3,18,651 |
| Year 6 | 2031 | ₹3,18,651 | ₹50,000 | ₹30,229 | ₹3,98,880 |
| Year 7 | 2032 | ₹3,98,880 | ₹50,000 | ₹36,808 | ₹4,85,688 |
| Year 8 | 2033 | ₹4,85,688 | ₹50,000 | ₹43,926 | ₹5,79,614 |
| Year 9 | 2034 | ₹5,79,614 | ₹50,000 | ₹51,628 | ₹6,81,242 |
| Year 10 | 2035 | ₹6,81,242 | ₹50,000 | ₹59,962 | ₹7,91,204 |
| Year 11 | 2036 | ₹7,91,204 | ₹50,000 | ₹68,979 | ₹9,10,183 |
| Year 12 | 2037 | ₹9,10,183 | ₹50,000 | ₹78,735 | ₹10,38,918 |
| Year 13 | 2038 | ₹10,38,918 | ₹50,000 | ₹89,291 | ₹11,78,209 |
| Year 14 | 2039 | ₹11,78,209 | ₹50,000 | ₹1,00,713 | ₹13,28,922 |
| Year 15 | 2040 | ₹13,28,922 | ₹50,000 | ₹1,13,072 | ₹14,91,994 |
| Year 16 | 2041 | ₹14,91,994 | ₹0 (No Deposit) | ₹1,22,344 | ₹16,14,338 |
| Year 17 | 2042 | ₹16,14,338 | ₹0 (No Deposit) | ₹1,32,376 | ₹17,46,714 |
| Year 18 | 2043 | ₹17,46,714 | ₹0 (No Deposit) | ₹1,43,231 | ₹18,89,945 |
| Year 19 | 2044 | ₹18,89,945 | ₹0 (No Deposit) | ₹1,54,975 | ₹20,44,920 |
| Year 20 | 2045 | ₹20,44,920 | ₹0 (No Deposit) | ₹1,67,683 | ₹22,12,603 |
| Year 21 | 2046 | ₹22,12,603 | ₹0 (No Deposit) | ₹1,81,433 | ₹23,94,036 |
Year 1 (2026)Closing: ₹54,100
Opening Balance₹0
Annual Deposit₹50,000
Interest Earned (8.2%)+₹4,100
Year 2 (2027)Closing: ₹1,12,636
Opening Balance₹54,100
Annual Deposit₹50,000
Interest Earned (8.2%)+₹8,536
Year 3 (2028)Closing: ₹1,75,972
Opening Balance₹1,12,636
Annual Deposit₹50,000
Interest Earned (8.2%)+₹13,336
Year 4 (2029)Closing: ₹2,44,502
Opening Balance₹1,75,972
Annual Deposit₹50,000
Interest Earned (8.2%)+₹18,530
Year 5 (2030)Closing: ₹3,18,651
Opening Balance₹2,44,502
Annual Deposit₹50,000
Interest Earned (8.2%)+₹24,149
Year 6 (2031)Closing: ₹3,98,880
Opening Balance₹3,18,651
Annual Deposit₹50,000
Interest Earned (8.2%)+₹30,229
Year 7 (2032)Closing: ₹4,85,688
Opening Balance₹3,98,880
Annual Deposit₹50,000
Interest Earned (8.2%)+₹36,808
Year 8 (2033)Closing: ₹5,79,614
Opening Balance₹4,85,688
Annual Deposit₹50,000
Interest Earned (8.2%)+₹43,926
Year 9 (2034)Closing: ₹6,81,242
Opening Balance₹5,79,614
Annual Deposit₹50,000
Interest Earned (8.2%)+₹51,628
Year 10 (2035)Closing: ₹7,91,204
Opening Balance₹6,81,242
Annual Deposit₹50,000
Interest Earned (8.2%)+₹59,962
Year 11 (2036)Closing: ₹9,10,183
Opening Balance₹7,91,204
Annual Deposit₹50,000
Interest Earned (8.2%)+₹68,979
Year 12 (2037)Closing: ₹10,38,918
Opening Balance₹9,10,183
Annual Deposit₹50,000
Interest Earned (8.2%)+₹78,735
Year 13 (2038)Closing: ₹11,78,209
Opening Balance₹10,38,918
Annual Deposit₹50,000
Interest Earned (8.2%)+₹89,291
Year 14 (2039)Closing: ₹13,28,922
Opening Balance₹11,78,209
Annual Deposit₹50,000
Interest Earned (8.2%)+₹1,00,713
Year 15 (2040)Closing: ₹14,91,994
Opening Balance₹13,28,922
Annual Deposit₹50,000
Interest Earned (8.2%)+₹1,13,072
Year 16 (2041)Closing: ₹16,14,338
Opening Balance₹14,91,994
Annual Deposit₹0
Interest Earned (8.2%)+₹1,22,344
Year 17 (2042)Closing: ₹17,46,714
Opening Balance₹16,14,338
Annual Deposit₹0
Interest Earned (8.2%)+₹1,32,376
Year 18 (2043)Closing: ₹18,89,945
Opening Balance₹17,46,714
Annual Deposit₹0
Interest Earned (8.2%)+₹1,43,231
Year 19 (2044)Closing: ₹20,44,920
Opening Balance₹18,89,945
Annual Deposit₹0
Interest Earned (8.2%)+₹1,54,975
Year 20 (2045)Closing: ₹22,12,603
Opening Balance₹20,44,920
Annual Deposit₹0
Interest Earned (8.2%)+₹1,67,683
Year 21 (2046)Closing: ₹23,94,036
Opening Balance₹22,12,603
Annual Deposit₹0
Interest Earned (8.2%)+₹1,81,433
Key Benefits of SSY Scheme
Triple Tax Exemption (EEE)
- Deposits qualify for deduction under Sec 80C.
- Interest accrued annually is completely tax-free.
- Maturity amount at withdrawal is 100% tax-free.
Withdrawal Policies
Partial withdrawals (up to 50% of the balance) are allowed for the girl child's higher education after she turns 18 or passes the 10th standard. The account matures completely after 21 years from the date of opening.
Need Ultra-Fast Web Hosting for Your Website?80% Off Deal
Get a free domain, unlimited SSL certificates, and 24/7 support via our exclusive Hostinger partner referral link.
Claim Discount Deal
How to Calculate Sukanya Samriddhi Yojana (SSY) Returns
- Enter the annual contribution amount (from ₹250 to ₹1.5 Lakhs).
- Select the age of your girl child (between 0 and 10 years).
- View the total invested amount, total interest earned, and final maturity value.
- Scroll down to see the year-by-year compounding growth ledger.