Free tools / Sukanya Samriddhi calculator

Sukanya Samriddhi Calculator

Plan your daughter’s future. See what her Sukanya Samriddhi account will be worth when it matures at age 21.

✓ Tax-free (EEE)✓ Maturity at 21 years✓ Year-wise balance
₹

₹250 to ₹1,50,000 a year

%

Check the latest notified rate

years

Must be under 10 to open

Maturity value
₹0
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Year-wise breakdown

Fill in the details to see the year-wise breakdown.

How Sukanya Samriddhi works

  • Deposit between ₹250 and ₹1.5 lakh a year for the first 15 years.
  • The account matures 21 years after opening, and keeps earning interest for the last 6 years with no deposits.
  • Interest is compounded yearly and is fully tax-free. Deposits qualify for Section 80C under the old regime.
  • Up to 50% can be withdrawn for higher education after she turns 18.

Example: ₹1.5 lakh a year at 8.2% grows to about ₹71.8 lakh at maturity: ₹22.5 lakh invested and ₹49.3 lakh tax-free interest.

Frequently asked questions

Where can I open an SSY account?

At any post office or authorised bank, including SBI, HDFC, ICICI, Axis and most public sector banks.

What if I miss a yearly deposit?

The account becomes inactive. You can revive it by paying the minimum ₹250 for each missed year plus a ₹50 penalty per year.

Can the account be closed early?

Yes, for her marriage after age 18, or in cases of medical need or death of the account holder.

These figures are estimates for planning only and are not financial advice. Actual returns, rates and charges depend on your bank, fund or scheme. Check the latest rates before you invest or borrow.