Sukanya Samriddhi (SSY) Calculator
See what your daughter's Sukanya Samriddhi account will grow to at the current 8.2% rate — deposits for 15 years, maturity after 21, all tax-free.
- Current rate 8.2% (Oct–Dec 2026)
- Deposits for 15 years, maturity at 21
- Maturity year and her age
- Year-by-year balance
Deposits are made for the first 15 years; the account keeps earning interest until it matures 21 years after opening. Interest is compounded yearly and is tax-free. Partial withdrawal for education is allowed after she turns 18.
Frequently asked questions
What is the SSY interest rate now?
8.2% a year for October–December 2026, reviewed every quarter.
Who can open an SSY account?
Parents or guardians of a girl below 10 years, at a post office or authorised bank — up to two daughters (three for twins/triplets).
How long do I deposit?
For 15 years from opening. The account matures 21 years after opening; there's no deposit in years 16–21 but interest keeps adding.
Is it tax-free?
Yes — deposits qualify for 80C (old regime), and interest and maturity are tax-free.
Save for your daughter's future
Sukanya Samriddhi Yojana offers one of the highest guaranteed rates among small savings schemes. Enter how much you'll deposit each year to see the maturity value and when it's available.