How much will I get from Sukanya Samriddhi Yojana?
In a Sukanya Samriddhi account you deposit between ₹250 and ₹1,50,000 each financial year for 15 years, and the account matures 21 years after opening. Interest is compounded yearly at the rate the Government sets each quarter, 8.2% for October to December 2026. At that rate, ₹1,50,000 a year grows to about ₹71.8 lakh. FixDoks's Sukanya Samriddhi Calculator shows the maturity value and a year-by-year table for any deposit and rate.
Sukanya Samriddhi Calculator at a glance
| Inputs | Yearly deposit, interest rate, girl's age, opening year |
|---|---|
| Output | Maturity value, total deposited, interest, maturity year |
| Current rate | 8.2% (October to December 2026) |
| Processing | In your browser; your files are not uploaded |
| Price | Free |
| Works on | Chrome, Edge, Safari and Firefox on Windows, Mac, Android and iPhone |
How to use Sukanya Samriddhi Yojana Calculator
- Enter the yearly deposit, between ₹250 and ₹1,50,000.
- Keep the interest rate at the current 8.2% or enter another rate to compare.
- Enter the girl's age and the year the account is opened to see when it matures.
- Read the maturity value, total deposited and interest, and the balance for each of the 21 years.
How Sukanya Samriddhi works
Sukanya Samriddhi Yojana (SSY) is a Government of India small savings scheme for a girl child. A parent or guardian opens the account in her name at a post office or an authorised bank.
- Who can open it: a guardian, for a girl under 10 years of age. Only one account is allowed per girl.
- Deposits: at least ₹250 and at most ₹1,50,000 in a financial year, for 15 years from opening.
- Maturity: the account matures 21 years after it was opened. No deposits are needed in years 16 to 21, but the balance keeps earning interest.
- Interest: set by the Government every quarter and compounded yearly.
- Before maturity: withdrawals are allowed for the girl's higher education, and the account can be closed early for her marriage after she turns 18.
Current interest rate
The rate for October to December 2026 is 8.2% a year. It has been 8.2% since January 2024, and the Ministry of Finance kept it unchanged for the October to December 2026 quarter. Rates are reviewed every quarter, so the calculator lets you change the rate and see how a lower or higher rate would affect the result.
How the calculator works it out
It assumes the same deposit at the start of each financial year for 15 years, and adds interest once a year at the rate you enter, until year 21:
- Years 1 to 15: balance = (last year's balance + deposit) × (1 + rate)
- Years 16 to 21: balance = last year's balance × (1 + rate)
Worked example
Depositing ₹1,50,000 every year at 8.2%:
- Total deposited over 15 years: ₹22,50,000
- Estimated maturity value after 21 years: about ₹71.8 lakh
- Interest earned: about ₹49.3 lakh
With ₹50,000 a year at the same rate, you deposit ₹7.5 lakh and the estimate is about ₹23.9 lakh. Most of the growth comes in the later years, which is why the six years with no deposits still add a lot.
Before you open an account
- Keep up the yearly deposit. The scheme needs at least ₹250 in every financial year of the 15 year deposit period. Ask your post office or bank what happens if a year is missed.
- Compare with other options. The PPF calculator shows the other popular Government savings scheme, which is open to anyone.
Rules and rates can change. Check the latest details with your post office or bank before you open an account.
Results are estimates for planning. Your employer, bank, fund or the tax department may round differently or apply other rules, so check the final figure with them.