# Sukanya Samriddhi Yojana Calculator: 8.2% SSY Maturity > Sukanya Samriddhi Yojana calculator at the current 8.2% rate: your daughter's SSY maturity value at 21 years, interest earned and a yearly table. Source: https://trykosh.com/tools/sukanya-samriddhi-yojana-calculator Free tool - Government schemes # Sukanya Samriddhi Yojana (SSY) calculator Plan your daughter's Sukanya Samriddhi account: see what yearly deposits grow to by maturity at 21 years, at today's 8.2% rate, and how much she can draw at 18 for studies. Rules checked 25 October 2026Free - no sign-upRuns in your browser Maturity value at 21 years INR 47,88,079 In 2047, when she is 24 - INR 47.88 lakh Total deposits (15 years)**INR 15,00,000** Interest earned**INR 32,88,079** Up to 50% at 18 for studies**INR 14,91,996** Deposits **INR 15,00,000**Interest **INR 32,88,079** Year by year (interest credited each March) Year Her age Deposit Interest Balance 2026 4 INR 1,00,000 INR 8,200 INR 1,08,200 2027 5 INR 1,00,000 INR 17,072 INR 2,25,272 2028 6 INR 1,00,000 INR 26,672 INR 3,51,945 2029 7 INR 1,00,000 INR 37,059 INR 4,89,004 2030 8 INR 1,00,000 INR 48,298 INR 6,37,303 2031 9 INR 1,00,000 INR 60,459 INR 7,97,761 2032 10 INR 1,00,000 INR 73,616 INR 9,71,378 2033 11 INR 1,00,000 INR 87,853 INR 11,59,231 2034 12 INR 1,00,000 INR 1,03,257 INR 13,62,488 2035 13 INR 1,00,000 INR 1,19,924 INR 15,82,412 2036 14 INR 1,00,000 INR 1,37,958 INR 18,20,369 2037 15 INR 1,00,000 INR 1,57,470 INR 20,77,840 2038 16 INR 1,00,000 INR 1,78,583 INR 23,56,423 2039 17 INR 1,00,000 INR 2,01,427 INR 26,57,849 2040 18 INR 1,00,000 INR 2,26,144 INR 29,83,993 2041 19 INR 0 INR 2,44,687 INR 32,28,680 2042 20 INR 0 INR 2,64,752 INR 34,93,432 2043 21 INR 0 INR 2,86,461 INR 37,79,894 2044 22 INR 0 INR 3,09,951 INR 40,89,845 2045 23 INR 0 INR 3,35,367 INR 44,25,212 2046 24 INR 0 INR 3,62,867 INR 47,88,079 You deposit for the first 15 years; the balance keeps earning for the last 6. The projection assumes today's rate holds, which it may not. ## Upload your statement and Kosh does this for you. Upload your statements and Kosh keeps your PPF, EPF, NPS and deposits in one view, with reminders before every deposit and maturity date. [Start free](/signup?via=tool-sukanya-samriddhi-yojana-calculator) ## How the sukanya Samriddhi Yojana calculator works A parent or legal guardian can open an SSY account for a girl child below 10, with up to two accounts per family (more for twins or triplets). You deposit between INR 250 and INR 1.5 lakh each financial year, for 15 years from the date of opening. Interest, 8.2% for October to December 2026, is calculated monthly on the lowest balance between the 5th and month-end and credited each 31 March. The calculator assumes you deposit by 5 April each year so the full year earns interest. After the 15th year you stop depositing, but the balance keeps earning interest until the account matures 21 years from opening. That six-year stretch with no deposits is where much of the growth happens, as the table shows. SSY is fully tax-exempt: deposits qualify under 80C in the old regime, and interest and maturity are tax-free in both regimes. The rate can change every quarter, so treat the maturity figure as an illustration at today's rate. Balance(year n) = (Balance(n−1) + deposit if n ≤ 15) x (1 + 8.2%) Deposits years 1 to 15 Maturity 21 years from opening ## Worked example: Ritu opens an account for her 5-year-old Ritu, a nurse in Bhopal, opens an SSY account in 2026 for her daughter, who is 5, and plans to deposit INR 5,000 a month (INR 60,000 a year) for 15 years. She'll put in INR 9 lakh in total. At 8.2%, the account matures in 2047, when her daughter is 26, at about INR 28.73 lakh. When her daughter turns 18, up to half the balance, about INR 7.07 lakh, can be withdrawn for higher education. Maturity value at 21 years INR 28,72,848 In 2047, when she is 26 - INR 28.73 lakh Total deposits (15 years)**INR 9,00,000** Interest earned**INR 19,72,848** Up to 50% at 18 for studies**INR 7,06,927** Deposits **INR 9,00,000**Interest **INR 19,72,848** You deposit for the first 15 years; the balance keeps earning for the last 6. The projection assumes today's rate holds, which it may not. [Load this example into the calculator ->](?girlAge=5&yearly=60000#calculator) ## Good to know - Withdrawals of up to 50% of the previous year's balance are allowed after the girl turns 18 or passes Class 10, for education. - The account can be closed early once she is 18 for her marriage (within a month before or three months after). - Miss the INR 250 minimum in a year and the account is marked as defaulted. Revive it by paying INR 250 for each missed year plus a INR 50 penalty per year. - Interest stops on the account at 21 years from opening even if you don't close it, so plan to withdraw at maturity. ## Frequently asked questions What is the Sukanya Samriddhi Yojana interest rate now? 8.2% a year for October to December 2026, compounded annually. The rate is reviewed every quarter and applies to the whole balance, so it can change over the life of the account. How much will I get if I deposit INR 1.5 lakh a year in SSY? At 8.2% throughout, INR 1.5 lakh a year for 15 years (INR 22.5 lakh in total) grows to roughly INR 71.8 lakh at 21 years. Enter your own amount above to see the year-by-year table. Till what age can I open an SSY account? Before the girl's 10th birthday. The account can be opened at any post office or authorised bank with her birth certificate and the parent's KYC. Is SSY maturity amount taxable? No. Interest and the maturity amount are tax-free under both regimes. Deposits get the 80C deduction of up to INR 1.5 lakh only if you file under the old regime. Can I deposit after 15 years in SSY? No. Deposits are allowed only for the first 15 years from opening. The balance then earns interest without deposits until maturity at 21 years. ## Sources and assumptions - [Department of Economic Affairs: small savings rates](https://dea.gov.in/) - [India Post savings schemes](https://www.indiapost.gov.in/) Rules and rates last checked on 25 October 2026. Results are estimates for planning and education, not tax, legal or investment advice. Kosh is an educational financial planning tool by Primedepth Labs. It is not a SEBI-registered investment adviser and does not offer personalised investment advice, hold your money or execute trades. Markets carry risk; read scheme documents carefully and consult a registered adviser before acting.