Sukanya Samriddhi Yojana Maturity Planner India 2025-26 SSY Calculator — Maturity Amount, Year-by-Year Growth & Best-Worst Scenarios Based on Girl Child’s Age

Updated: 17 Jun 2026  |  SSY rate: 8.2% p.a. (Q1 FY 2025-26)  |  EEE — fully tax-free  |  Min ₹250/yr · Max ₹1.5L/yr

🌸 Sukanya Samriddhi Yojana — Key Facts

Current Rate
8.2%
p.a. compounded annually
Tax Status
EEE
Contribution+Interest+Maturity exempt
Investment
₹250 – ₹1.5L/yr
80C eligible
Account Opens
Birth – Age 10
Matures at age 21
3 years
Newborn10 years (max open age)
₹1,50,000/yr
₹250 (minimum)₹1,50,000 (maximum)
Account can be opened from:Birth to age 10
Active contribution period:0 years (age 0–15)
Dormant period (no contribution):Age 15 to 21
Maturity (mandatory withdrawal):Age 21 (2043)
Partial withdrawal at age 18:Up to 50% for education

Maturity Amount at Age 21 (Tax-Free)

₹69,27,578

Total investment (15 yrs)₹22,50,000
Total interest earned₹46,77,578
Interest-to-investment ratio2.08x
Effective CAGR (post-tax)8.2% (EEE exempt)
Partial Withdrawal (Age 18)
₹18,50,000
50% balance for education
At Current Rate vs PPF
₹8,45,000 more
vs PPF at 7.1%

Year-by-Year SSY Growth (Age of Girl)

Girl’s AgeDeposit (₹)Interest (₹)Closing Balance (₹)Milestone

SSY Complete Guide — Rules, Benefits & Tax Saving India 2025-26

Sukanya Samriddhi Yojana (SSY) is India’s best small savings scheme for parents of girl children. Launched under the Beti Bachao Beti Padhao initiative, it offers 8.2% annual interest (highest among government schemes alongside SCSS), complete EEE tax exemption (contribution, interest, and maturity all tax-free), and Section 80C eligibility. SSY is purpose-built for long-term wealth creation for a girl child — covering education (age 18) and marriage/life goals (age 21 maturity).

SSY vs PPF vs FD Comparison

SchemeRateTax
SSY8.2%EEE
SCSS8.2%Taxable
PPF7.1%EEE
Bank FD 5yr7.25%Taxable
NSC7.7%Accrual

SSY wins on combined rate+tax for girl child savings. Only SCSS matches rate but SCSS is taxable and for seniors only.

SSY Eligibility & Account Rules

Who can open: Parents/legal guardian of girl child under 10 years
Accounts per family: Max 2 SSY accounts (1 per girl child); 3 accounts for twins/triplets
Operated by: Girl child operates herself after age 18
Where to open: Any Post Office or nationalised bank branch (SBI, PNB, Bank of Baroda etc)
Transfer: Can transfer SSY account between post offices/banks on relocation

Withdrawal Rules

Partial at 18: Up to 50% of previous year-end balance for higher education/marriage
Full maturity: Age 21 — 100% withdrawal, completely tax-free
Premature (after 18): On marriage of girl child (min 1 month before marriage)
Death: Balance paid to parent/guardian immediately
Inactive account: If annual minimum ₹250 not deposited — account becomes dormant. Reactivate: pay ₹50/year penalty per dormant year + ₹250 minimum deposit

3 SSY Planning Scenarios by Girl Child’s Age

1. Priya — Newborn Girl, Max ₹1.5L/yr from Day 1 🍼

Total invested (15yr)
₹22,50,000
Maturity at 21
₹74,52,000
Interest earned
₹52,02,000
Total tax saved
₹6,75,000+
Maximum benefit: Starting at birth gives the full 21-year compounding period. ₹74.5L tax-free corpus at age 21 — almost entirely interest. At 30% bracket: total 80C tax saving on ₹22.5L invested = ₹7,02,000 + all interest EEE. Compare: same ₹22.5L in bank FD at 7.25% (taxable at 30%): maturity = ₹40.6L post-tax. SSY advantage: ₹33.9L extra over 21 years. The EEE status and high 8.2% rate make SSY the single best investment for parents of girl children.

2. Meena (Age 7) — Education Planning with 50% Age-18 Withdrawal 🎓

Contribution years
8 years (age 7–15)
Balance at age 18
₹22,40,000
Education withdrawal (50%)
₹11,20,000
Final maturity at 21
₹15,60,000
Meena’s parents use SSY strategically: at age 18 (college admission), withdraw 50% of balance (≈₹11.2L) for higher education fees. Remaining 50% (≈₹11.2L) continues earning 8.2% for 3 more years until age 21 = ₹14.2L. Total value extracted: ₹11.2L (age 18) + ₹14.2L (age 21) = ₹25.4L — all tax-free. Parents invested only ₹12L total (8yr × ₹1.5L). This is a 2.1x return completely tax-free — unmatched by any other instrument for this purpose.

3. Ananya (Age 9, Late Opener) — Last Chance for SSY 🌸

Account opened
Age 9 (last 2 years)
Contribution years
6 years (age 9–15)
Total invested
₹9,00,000
Maturity at 21
₹22,90,000
Ananya’s parents missed the early years — account opened at age 9 (still before age 10 deadline). Only 6 contribution years (9–15) remain, but compounding from 9 to 21 = 12 years still works well. ₹22.9L maturity on ₹9L invested — 2.5x return. The key insight: even starting at age 9, SSY beats most alternatives due to EEE status. Open immediately if your daughter is between 8–10 — waiting further means missing the opportunity entirely. Account cannot be opened after age 10.

5 SSY Planning Tips for Indian Parents

01

Invest Before April 5 Each Year — Earn Interest for the Full Month

SSY interest is calculated on the minimum balance between the 5th and last day of each month. If you deposit after April 5: you miss April’s interest on the deposited amount. Depositing ₹1.5L before April 5 vs April 10 for 15 years: costs approximately ₹8,000–12,000 in missed interest. Set a standing instruction to auto-debit your SSY deposit on April 1–5 each year. This simple discipline adds ~₹10,000 to the maturity corpus over 15 years.

02

Open SSY at Birth — Every Year Counts for Compounding

The difference between opening SSY at birth (age 0) vs age 5: the age-0 account has 21 compounding years while age-5 account has only 16. On ₹1.5L/year: age-0 corpus = ₹74.5L vs age-5 corpus = ₹48.2L — a ₹26.3L difference from 5 years’ delay. Don’t wait until you “have the money sorted” — open at birth even with minimum ₹250. Increase to maximum later. The account itself and its compounding clock starts from opening date.

03

Use SSY for 80C AND Your Daughter’s Long-Term Goals — Not Short-Term

SSY maturity at age 21 aligns perfectly with: post-graduation expenses, wedding planning, starting professional life, home purchase down payment. Parents who start SSY early effectively create a tax-free dowry/foundation fund for their daughter. At ₹1.5L/year from birth: ₹74L tax-free at 21. This should be a dedicated long-term account — not touched until 18 (education emergency) or 21 (maturity). The EEE status means no tax leakage at any stage.

04

SSY Rate Risk — Rates Can Fall, But Still Best Among Safe Options

SSY rate is reviewed quarterly and can change. Historical range: 7.6%–9.2%. Current rate: 8.2%. If rate falls to 7.5%: maturity drops from ₹74.5L to ₹64.8L (₹9.7L less). Risk mitigation: SSY rate historically stays higher than comparable safe instruments (PPF, FD). Even in worst-case 7% scenario: SSY maturity ≈₹57L — still significantly better than alternatives due to EEE status. For maximum return: complement SSY with equity mutual fund SIP for daughter’s long-term corpus (beyond what SSY covers).

05

Link SSY Account to IPPB for Digital Access & Auto-Debit

Many parents open SSY at a post office but struggle to track balance and make annual deposits conveniently. Solution: link SSY to India Post Payments Bank (IPPB) app. IPPB allows digital deposit to SSY without visiting the post office. Also available at major banks: SBI, PNB, Bank of Baroda have online SSY deposit facility through their net banking. Set annual standing instruction on IPPB/bank to auto-deposit SSY before April 5. Download passbook app or request annual statement for ITR proof (80C deduction requires proof).

Frequently Asked Questions — Sukanya Samriddhi Yojana 2025-26

SSY interest rate 2025-26?+
8.2% p.a. compounded annually. Highest among small savings schemes (alongside SCSS). EEE — fully tax-free. Reviewed quarterly by Ministry of Finance.
How much will SSY give at maturity?+
Depends on age and annual investment. ₹1.5L/year from birth: ₹74.5L at age 21. From age 5: ₹48.2L. From age 8: ₹30.6L. Use the calculator above for your daughter’s specific age.
Is SSY interest taxable?+
No — EEE: contribution 80C deduction + interest tax-free + maturity tax-free. Most tax-efficient safe instrument in India. 8.2% EEE vs FD 7.25% at 30% bracket (post-tax 5.1%) = SSY advantage ~3.1%.
Who can open SSY account?+
Parents or legal guardian of girl child below 10 years. Max 2 accounts per family (1 per girl; 3 for twins/triplets). NRI parents not eligible. Adopted daughters eligible.
Can SSY be withdrawn before age 21?+
Partial (50%) at age 18 for education/marriage. Full premature at 18+ for marriage (1 month before). Death/special circumstances: full balance returned. All withdrawals tax-free.
SSY minimum and maximum deposit?+
Min ₹250/year (or account becomes dormant). Max ₹1,50,000/year. 80C eligible up to ₹1.5L. Can deposit in 1–12 instalments.
SSY vs PPF — which is better?+
SSY: 8.2% EEE, 21yr, only girl children. PPF: 7.1% EEE, 15yr+extensions, any investor. SSY wins on rate (1.1% extra). Both EEE. Use SSY for daughter’s specific corpus + PPF for general long-term savings.
Where to open SSY account?+
Any Post Office or authorised banks: SBI, PNB, Canara, Bank of Baroda, HDFC, ICICI, Axis etc. Online deposit via IPPB app or bank net banking after account is opened at branch.
Deposit before April 5 — why important?+
Interest calculated on minimum balance between 5th and last of each month. Deposit before 5th = earns that month’s interest. Deposit after 5th = loses one month. Over 15 years: ~₹10,000 extra from early deposits each year.
What if I miss annual deposit?+
Account becomes dormant. Reactivate: pay ₹50 penalty per dormant year + ₹250 minimum deposit. Set auto-debit to avoid missing. Even ₹250 minimum keeps account active.
Two daughters — can I open two SSY accounts?+
Yes — up to 2 accounts (1 per girl child). 80C deduction still capped at ₹1.5L total per individual. But interest on both accounts (beyond 80C) is still EEE — tax-free.
SSY contribution period vs maturity period?+
Contribution: 15 years from account opening. Dormant (no deposits, interest continues): year 15 to age 21. Maturity: mandatory at age 21. Example: opened at birth → contribute 15 years → 6 years dormant interest → closes at age 21.
SSY vs equity mutual fund for daughter?+
Equity MF: 12–14% historical but not guaranteed + LTCG taxable. SSY: 8.2% guaranteed + EEE. Over 21 years: equity MF dramatically outperforms but carries risk. Best: SSY as guaranteed base + equity SIP for additional corpus. Use both.
Can adopted daughter open SSY?+
Yes — fully eligible. Need adoption certificate from court + girl’s birth certificate + guardian’s identity proof. Counts within 2-account family limit.
SSY rate history?+
2014: 9.1% (launch). 2020: 7.6% (lowest). 2024: 8.2% (current). Range: 7.6%–9.2%. Declining trend but still highest/near-highest among safe government schemes.
Can SSY account be transferred?+
Yes — between post offices or authorised banks on relocation. Balance and history maintained. Process: submit transfer request at current institution. Takes 15–30 working days.
Father or mother — who opens SSY?+
Either parent can open. Only one parent operates (not both). Girl operates account herself after age 18. Grandparents cannot open SSY. Legal guardian eligible if parents are not alive.
SSY for NRI daughter?+
NRI parents: cannot open new SSY accounts. If girl becomes NRI after account is opened: seek clarification from the operating institution. Account continues to earn interest but NRI rules may apply at closure.
Is SSY better than NSC for girl child?+
Yes for long-term: SSY 8.2% EEE vs NSC 7.7% (interest accrual taxable). NSC better for 5-year medium-term goals. SSY for dedicated 21-year girl child corpus.
SSY maturity is it mandatory?+
Yes — account mandatorily closes at age 21 (maturity). Full balance withdrawn at that point, completely tax-free. Cannot extend SSY (unlike PPF which can be extended in 5yr blocks). If not withdrawn: account stops earning interest post-maturity.
How to use SSY for education at 18?+
After girl turns 18: apply for 50% partial withdrawal at the bank/post office. Submit proof of admission to higher educational institution. Maximum 50% of previous March 31 balance. Withdrawn amount is 100% tax-free. Remaining balance continues earning 8.2% till age 21.

Related Calculators

🏛️
GPF Calculator
General provident fund
 🏛️
NPS Annuity
Monthly pension from NPS
 ⚖️
ELSS vs PPF
80C comparison
 🎯
Goal-Based SIP
Tax-adjusted SIP goal
 📋
Budget 2026 Tax
New slabs vs FY 2025-26
 🎯
Section 87A Rebate
Nil tax ₹7L/₹12L

Disclaimer

SSY maturity amounts are calculated at current 8.2% rate — actual rate may change quarterly. Maturity may differ from projections if rate changes. Consult your SSY account institution for exact figures.

Regulatory: SSY governed by Ministry of Finance. Managed by India Post — indiapost.gov.in and authorised banks. Rate notifications: finmin.nic.in. 80C income tax benefit: incometax.gov.in. Last Updated: 17 Jun 2026.