Sukanya Samriddhi Yojana Calculator: SSY Maturity at 21 Years
Enter the yearly deposit, your daughter's age and the year you open the account. You see the maturity value, the year it matures and a 21-year table.
- Nothing you type is stored
- Free
- No signup
Maturity value
₹71,82,119
- Total invested
- ₹22,50,000
- Total interest
- ₹49,32,119
- Matures in
- 2047
- In words
- 71.82 lakh
Uses 8.2% every year (8.2% for Oct–Dec 2026; set each quarter). Deposits run 15 years; the account matures after 21 years, when she is about 23. Up to 50% can be taken out for education from age 20.
Year by year
| Year | Calendar year | Her age | Deposit | Interest | Balance |
|---|---|---|---|---|---|
| 1 | 2026 | 2 | ₹1,50,000 | ₹12,300 | ₹1,62,300 |
| 2 | 2027 | 3 | ₹1,50,000 | ₹25,609 | ₹3,37,909 |
| 3 | 2028 | 4 | ₹1,50,000 | ₹40,009 | ₹5,27,917 |
| 4 | 2029 | 5 | ₹1,50,000 | ₹55,589 | ₹7,33,506 |
| 5 | 2030 | 6 | ₹1,50,000 | ₹72,448 | ₹9,55,954 |
| 6 | 2031 | 7 | ₹1,50,000 | ₹90,688 | ₹11,96,642 |
| 7 | 2032 | 8 | ₹1,50,000 | ₹1,10,425 | ₹14,57,067 |
| 8 | 2033 | 9 | ₹1,50,000 | ₹1,31,779 | ₹17,38,846 |
| 9 | 2034 | 10 | ₹1,50,000 | ₹1,54,885 | ₹20,43,732 |
| 10 | 2035 | 11 | ₹1,50,000 | ₹1,79,886 | ₹23,73,618 |
| 11 | 2036 | 12 | ₹1,50,000 | ₹2,06,937 | ₹27,30,554 |
| 12 | 2037 | 13 | ₹1,50,000 | ₹2,36,205 | ₹31,16,760 |
| 13 | 2038 | 14 | ₹1,50,000 | ₹2,67,874 | ₹35,34,634 |
| 14 | 2039 | 15 | ₹1,50,000 | ₹3,02,140 | ₹39,86,774 |
| 15 | 2040 | 16 | ₹1,50,000 | ₹3,39,215 | ₹44,75,989 |
| 16 | 2041 | 17 | ₹0 | ₹3,67,031 | ₹48,43,020 |
| 17 | 2042 | 18 | ₹0 | ₹3,97,128 | ₹52,40,148 |
| 18 | 2043 | 19 | ₹0 | ₹4,29,692 | ₹56,69,840 |
| 19 | 2044 | 20 | ₹0 | ₹4,64,927 | ₹61,34,767 |
| 20 | 2045 | 21 | ₹0 | ₹5,03,051 | ₹66,37,818 |
| 21 | 2046 | 22 | ₹0 | ₹5,44,301 | ₹71,82,119 |
How to use
- Enter the yearly deposit, ₹250 to ₹1,50,000.
- Enter your daughter's age (up to 10) and the opening year.
- Keep the 8.2% rate or enter a new one, and read the maturity.
Good to know
Sukanya Samriddhi Yojana pays 8.2% a year for October–December 2026, compounded yearly; the rate is reviewed every quarter. Deposits are made for 15 years from opening, and the account keeps earning interest until it matures 21 years after opening.
The account can be opened for a girl up to 10 years old, one per girl and up to two per family (three for twins or triplets in the second birth). Up to 50% of the balance can be withdrawn for higher education once she turns 18 or passes Class 10, and the account can be closed on her marriage after 18.
Deposits qualify for the ₹1.5 lakh deduction (80C) under the old tax regime, and the interest and maturity are tax-free. At ₹1.5 lakh a year and 8.2%, the account grows to about ₹71.8 lakh at 21 years, of which ₹22.5 lakh is deposits.
Questions
What is the current SSY interest rate?
8.2% a year for October–December 2026 (Ministry of Finance notification of 30 September 2026).
For how many years do I deposit?
15 years from opening. The account matures after 21 years; years 16 to 21 earn interest without deposits.
What is the minimum deposit?
₹250 a year. If missed, the account becomes inactive and can be revived with ₹50 penalty per year plus the minimum deposit.
Is Sukanya Samriddhi tax-free?
Yes. Interest and maturity are tax-free, and deposits get the old-regime deduction (80C).
Does the calculator assume a fixed rate?
Yes. The rate can change every quarter, so this is an estimate.