What is the Sukanya Samriddhi Yojana interest rate?

The SSY rate is 8.2% per annum for the April-June 2026 quarter, one of the highest among small savings schemes. It is reviewed quarterly and compounded annually.

Who can open an SSY account?

A parent or guardian can open a Sukanya Samriddhi account for a girl child below the age of 10. Only one account is allowed per girl child, and a family can open accounts for up to two girls.

How long do I deposit and when does it mature?

Deposits are made for 15 years from the date the account is opened. The account then keeps earning interest and matures 21 years after opening, or on the girl's marriage after age 18.

Yes. SSY has EEE status: deposits qualify for Section 80C deduction up to Rs 1.5 lakh, and both the interest and the maturity amount are completely tax-free.

Sukanya Samriddhi Yojana Calculator

Calculate the maturity value of a Sukanya Samriddhi Yojana account for your girl child. Deposits run for 15 years and the account matures at year 21.

Yearly Deposit

₹

₹250₹1,50,000

One Lakh Rupees

SSY allows a minimum of Rs 250 and a maximum of Rs 1,50,000 per financial year.

Interest Rate

7%9.5%

The current Sukanya Samriddhi Yojana rate is 8.2% per annum, revised quarterly.

Total Deposited

₹15.00 L

Over 15 years

Total Interest

₹32.88 L

Maturity Value

₹47.88 L

At year 21

Year-by-Year Breakdown

Year-by-Year Breakdown
Year	Amount Invested	Est. Returns	Total Value
Yr 1	₹1.00 L	₹8,200	₹1.08 L
Yr 2	₹2.00 L	₹25,272	₹2.25 L
Yr 3	₹3.00 L	₹51,945	₹3.52 L
Yr 4	₹4.00 L	₹89,004	₹4.89 L
Yr 5	₹5.00 L	₹1.37 L	₹6.37 L
Yr 6	₹6.00 L	₹1.98 L	₹7.98 L
Yr 7	₹7.00 L	₹2.71 L	₹9.71 L
Yr 8	₹8.00 L	₹3.59 L	₹11.59 L
Yr 9	₹9.00 L	₹4.62 L	₹13.62 L
Yr 10	₹10.00 L	₹5.82 L	₹15.82 L

Sukanya Samriddhi Yojana is for a girl child under 10. Deposits are made for 15 years and the account matures 21 years after opening. It has EEE tax status under Section 80C.

Sukanya Samriddhi Yojana Calculator

Year-by-Year Breakdown

Frequently Asked Questions

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