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Sukanya Samriddhi Calculator

Calculate Sukanya Samriddhi Yojana maturity amount and tax benefits for your daughter's future

years
Age of girl child (0-10 years eligible)
₹
Minimum ₹250, Maximum ₹1,50,000 per year
%
Current government announced SSY rate
How long you plan to make deposits
Plan for partial withdrawal after 18 years
Your income tax slab for calculating tax savings
👧 Sample Scenarios:
👧 SSY Key Features:
  • 🎯 Target: Girl child education & marriage
  • 💰 Tax Free: EEE status (80C + tax-free maturity)
  • 📅 Maturity: 21 years from account opening
  • 🏛️ Government: 100% safe, backed by GoI
  • 💸 Partial Withdrawal: 50% after 18 years
📈 SSY Rate History

2024: 8.2%

2023: 8.0%

2022: 7.6%

2021: 7.6%

2020: 7.6%

2019: 8.4%

*Rates reviewed quarterly by government

Sukanya Samriddhi Yojana Features

✅ SSY Advantages

  • 👧 Girl Child Focus: Dedicated scheme for daughters
  • 🛡️ Government Guarantee: 100% safe investment
  • 💰 Triple Tax Benefit: 80C deduction + tax-free growth + tax-free maturity
  • 📈 Higher Returns: Better than PPF and bank FDs
  • 💸 Partial Withdrawal: 50% available after 18 years
  • 🎓 Education Focus: For higher education expenses

⚠️ SSY Limitations

  • 👧 Gender Specific: Only for girl children
  • 🎂 Age Limit: Must open before age 10
  • 🔒 Long Lock-in: 21 years from account opening
  • 💵 Contribution Limit: 15 years only
  • 🏦 Limited Accounts: Max 2 accounts per family
  • 📉 Rate Risk: Government can change rates

🎯 SSY Rules & Guidelines

Eligibility: Girl child aged 0-10 years

Account Limit: Max 2 per family (twins exception)

Deposit Period: 15 years from opening

Maturity: 21 years from account opening

Transfer: Can be transferred anywhere in India

Closure: Premature closure after 5 years

💡 SSY Strategy Tips

  • 🎯 Start Early: Open account as soon as possible
  • 💰 Maximum Deposit: Invest ₹1.5L annually if possible
  • 📅 Timing: Deposit before March 31st for tax benefits
  • 🏦 Bank Choice: Open in reputable bank/post office
  • 📝 Documentation: Keep all documents safe
  • 🎓 Planning: Plan for education and marriage expenses