SSY Calculator: Sukanya Samriddhi Yojana Returns & Benefits
By ToolZoneX Team
•
June 2026
Sukanya Samriddhi Yojana (SSY) is a government savings scheme for the girl child, offering one of the highest interest rates among small savings schemes with full tax exemption (EEE status). Deposits are made for 15 years, and the account matures after 21 years.
How to Use SSY Calculator
1.
Enter annual deposit amount (min ₹250, max ₹1.5 lakh)2.
The current SSY interest rate is pre-filled3.
View the maturity amount after 21 years4.
See year-wise growth of your investment
Key Features
- Calculates maturity with 15 years deposit + 6 years compounding
- Year-by-year interest and balance table
- Shows total deposited vs. interest earned
- Current government interest rate pre-filled
When to Use This Tool
•
Planning for daughter's education•
Building a wedding/higher-education fund•
Maximizing tax savings under Section 80C•
Comparing SSY with PPF and FD returns
Frequently Asked Questions
The SSY interest rate for Q1 2025-26 is 8.2% per annum, among the highest for government schemes.
A parent or legal guardian can open an SSY account for a girl child below 10 years of age. Maximum 2 accounts (one per daughter).
Partial withdrawal (up to 50% of balance) is allowed after the girl turns 18, for education or marriage purposes.
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