Sukanya Samriddhi Yojana Calculator (2026)
Official Compound Growth Audit & Wealth Projection
Daughter's Profile
Investment Plan
SSY Wealth Audit Report
21-Year Maturity Projection
| Year | Age | Contribution | Interest | Balance |
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Higher Education Fund
Available for withdrawal when the daughter turns 18 (50% of the previous year's balance):
- Deposit Tenure: 15 Years from opening.
- Maturity Tenure: 21 Years from opening.
- Tax Status: Principal, Interest, and Maturity are 100% Tax-Exempt (Section 80C).
SSY Calculator 2026: Official Maturity & Investment Guide
The Sukanya Samriddhi Yojana (SSY) is a government-mandated savings program designed to secure the financial future of girl children in India. Currently offering a 8.2% interest rate, it serves as a high-yield alternative to traditional fixed deposits, providing sovereign safety and exceptional tax efficiency.
Optimizing Your Investment: The 15-Year Rule
One unique aspect of the Sukanya Samriddhi Account is that while the maturity period is 21 years, deposits are required only for the first 15 years. Our SSY Maturity Calculator accounts for the subsequent 6-year period where your corpus continues to grow through compound interest without further contributions.
Key Benefits & Scheme Rules
Government Backed
100% safe investment with sovereign guarantee by the Government of India.
Higher Interest
Currently 8.2% p.a., significantly higher than PPF or standard Bank FDs.
EEE Tax Benefit
Tax-free investment (80C), tax-free interest, and tax-free maturity corpus.
Education Fund
Partial withdrawal (50%) allowed at age 18 to fund higher education goals.
Frequently Asked Questions
Expert answers to your Sukanya Samriddhi Account queries.
What is the maximum entry age for a girl child?
A Sukanya Samriddhi Account can be opened for a girl child from her birth until she reaches 10 years of age. A grace period of one year was provided only during the initial launch of the scheme.
How many SSY accounts can be opened in one family?
Generally, an SSY account can be opened for a maximum of two girl children in a single family. An exception is made in the case of triplets in the first birth or twins in the second birth after one girl child.
Can I transfer my SSY account to another city?
Yes, the SSY account is highly portable. It can be transferred from any Post Office to a Bank or vice-versa across India. Transfer is free of cost upon providing proof of residence change.
What happens if the minimum deposit is not made?
If the minimum deposit of ₹250 per financial year is not met, the account is treated as an 'Account under Default'. It can be regularized by paying a penalty of ₹50 for each year of default along with the minimum subscription amount.