Sukanya Samriddhi Calculator 2026
Calculate SSY maturity at 8.2% for girl child. EEE tax-free returns. Annual deposit limits and partial withdrawal rules.
Disclaimer: Results are estimates for informational purposes only. Market conditions and interest rates vary. Consult a SEBI-registered financial advisor before making investment decisions.
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About Sukanya Samriddhi Yojana Calculator 2026
Calculate Sukanya Samriddhi Yojana (SSY) maturity at current 8.2% interest rate. Account matures when girl turns 21 (or at marriage after 18). Annual deposit: ₹250 minimum, ₹1.5 lakh maximum. EEE tax status — all returns tax-free.
Sukanya Samriddhi Yojana is a government savings scheme specifically for a girl child, which can be opened any time before she turns 10 and currently earns 8.2% interest per annum — among the highest rates of any government-backed small savings scheme, and revised quarterly like PPF. The account matures 21 years after opening or upon the girl's marriage after age 18, whichever comes first, and like PPF it carries EEE tax status: 80C deduction on contribution, tax-free interest, and tax-free maturity. Partial withdrawal of up to 50% is permitted once the account holder turns 18, for higher education expenses. This calculator projects the maturity value at the current interest rate based on your planned annual contribution.
How to use
- Enter your figures in the input fields — the result recalculates instantly as you type, no submit button needed.
- Double-check which financial year or rate the tool is using, shown near the result, since tax and interest rates change periodically.
- Use the "Next step" workflow links below to move into a related calculation, like comparing this result against another instrument.
- Share your result via WhatsApp or Twitter using the buttons above if you need to send it to someone else.
- Everything is calculated locally in your browser — your financial figures are never sent to any server.
Tool details
⚡ Next step — complete your workflow
Expert note — India 2026
SSY at 8.2% beats PPF (7.1%) by 1.1%. For a girl child, maximum ₹1.5L/year for 15 years in SSY compounds to over ₹69 lakh at maturity — the best risk-free scheme in India today.
Frequently asked questions
When can I open SSY account?
From birth of the girl child until she turns 10. Account matures when she turns 21 or at marriage after age 18.
Can I withdraw SSY before maturity?
50% can be withdrawn after girl turns 18 for higher education. Premature closure allowed for marriage after 18 or medical emergency.
SSY interest rate 2026?
8.2% per annum compounded annually. Reviewed quarterly by Government of India.
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