Sukanya Samriddhi Yojana (SSY) Calculator

🌸 Sukanya Samriddhi Yojana Calculator

Secure your daughter’s future. Calculate the guaranteed triple tax-free maturity amount of your SSY investments.

💡 The EEE Tax Benefit: SSY falls under Exempt-Exempt-Exempt mapping. The principal is tax-deductible under 80C, the interest earned every year is tax-free, and the entire final maturity amount is completely tax-free!
Investment Plan
Deposit Frequency
Total Yearly Investment ₹1,50,000
₹250₹1.5 L
₹
Max allowed limit is ₹1,50,000 per financial year.
Girl’s Current Age 1 Year
Newborn (0)10 Yrs
🎂
Account can only be opened before the girl attains 10 years of age.
Annual Interest Rate (Govt) 8.2%
7.0%10.0%
%
Guaranteed Tax-Free Maturity
₹69,80,061 At Age 22 (In 21 Years)
Total Principal Deposited
₹22,50,000
(Deposits stop after 15 Yrs)
Total Interest Earned
₹47,30,061
(Compounds up to 21 Yrs)
68%
Interest
Investment
Total Interest
Year-wise SSY Breakdown
YearGirl’s AgeDeposit MadeInterest AccruedClosing Balance

SSY Important Rules To Remember

15-Year Deposit Rule

A common misconception is that you must deposit money for 21 years. That is false. You are only required to make deposits for the first 15 years from the date of opening the account.

21-Year Maturity Rule

The account strictly matures after exactly 21 years from the date of opening, or at the time of the girl’s marriage (after she turns 18), whichever is earlier. From Year 16 to Year 21, you do not deposit any money, but your corpus continues to earn compound interest.

Partial Withdrawal Rule

Once the girl child attains 18 years of age or passes the 10th standard, a maximum of 50% of the balance at the end of the preceding financial year can be withdrawn for her higher education expenses.

Scroll to Top