Sukanya Samriddhi Yojana (SSY) Calculator
This Sukanya Samriddhi Yojana (SSY) calculator works out the maturity value of an SSY account, opened for a girl child under 10 years of age. Deposits are made for the first 15 years from account opening, then the balance keeps compounding with no further deposits until the account matures 21 years after opening. Enter your annual contribution, the current SSY rate and the girl's current age to see the maturity value.
How much you deposit each financial year. SSY allows a minimum of ₹250 and a maximum of ₹1,50,000 per year.
Set by the government every quarter — currently 8.2%, one of the highest rates among government savings schemes.
SSY accounts can only be opened for a girl child under 10 years of age.
Maturity value (at 21 years)
सेव करने के लिए लॉग इन करें₹23,94,040
The account balance 21 years after opening — deposits stop after 15 years, but the balance keeps compounding until maturity.
Frequently asked questions
Do I have to keep depositing for all 21 years until maturity?+
No — deposits are required only for the first 15 years from account opening. After that, no further contributions are needed (or accepted beyond the annual minimum to keep the account active in some cases); the accumulated balance simply continues earning interest until the account matures at 21 years from opening.
What happens if the girl gets married before the account matures?+
The SSY account matures early and can be closed on marriage, provided she is at least 18 years old at the time — whichever comes first between the 21-year mark and marriage after 18. This calculator projects the full 21-year maturity value assuming no early closure.
Is SSY better than PPF for a daughter's education or marriage goal?+
SSY typically pays a higher interest rate than PPF and both share the same EEE (Exempt-Exempt-Exempt) tax status — contribution, interest and maturity are all tax-free. SSY is restricted to a girl child under 10 and has a fixed 21-year horizon, while PPF is open to anyone and more flexible on tenure, so the better choice depends on your goal's timeline and who the account is for.