Sukanya Samriddhi Calculator
Estimate the maturity value of a Sukanya Samriddhi Yojana (SSY) account for a girl child.
Assumptions used in this calculation
- Deposit timing: Assumes a fixed annual deposit made at the start of each of the first 15 years.India
About this calculator
Sukanya Samriddhi Yojana is a government-backed savings scheme for a girl child's future with an unusual structure that trips up manual estimates, you deposit annually for only the first 15 years, but the account doesn't mature until 21 years after opening, meaning the balance keeps compounding untouched for a further 6 years with no additional deposits, a gap most people forget to account for when projecting the maturity value. This calculator models that exact structure: it compounds annual deposits at the government-announced SSY interest rate for the first 15 years, then continues compounding the accumulated balance alone, with no further contributions, through year 21, returning the final maturity value. Because SSY offers one of the highest government-guaranteed interest rates among small savings schemes plus tax-exempt returns, this calculator helps parents see the realistic long-term payoff of committing to the full 15-year deposit schedule rather than guessing at how the extra 6 years of compounding without new deposits affects the final number.
Worked example
₹50,000 annual deposit at 8.2%
Result: Maturity value ≈ ₹22.5 lakh after 21 years
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