SSY Calculator
Sukanya Samriddhi Yojana — the highest-interest government scheme for girl children. EEE tax status, currently 8.2% (Q4 FY 2024-25). Account opens till age 10, deposits till year 15, maturity at age 21.
🇮🇳All amounts in ₹ INR · India tax law · FY 2025–26
SSY inputs
Min ₹250/yr · Max ₹1,50,000/yr.
Total invested (15 yrs)
₹22,50,000
Interest earned (tax-free)
₹49,32,119
Maturity at age 21
₹71,82,119
What is SSY?
Sukanya Samriddhi Yojana is a small-savings scheme for the girl child under 'Beti Bachao, Beti Padhao'. Open the account at any Post Office or authorised bank before the girl turns 10. Deposit for 15 years. Account matures when she turns 21. Interest is set quarterly by the government and is currently the highest among small-savings schemes.
Key rules
- One account per girl child. Maximum two accounts per family (twins exempt).
- Tenure: 21 years from opening (or marriage after 18, whichever earlier).
- Premature withdrawal: up to 50% after age 18 for higher education.
- EEE — contributions 80C, interest tax-free, maturity tax-free.
SSY pays ~1 percentage point more right now (8.2% vs 7.1%). PPF is more flexible — open at any age, you control it. Many parents do both.