Sukanya Samriddhi Calculator 2026 - ₹5000 & ₹2000/Month Chart
SSY interest rate 2026: 8.2%. Calculate maturity for any monthly amount. ₹5000/month = ₹21.7L, ₹2000/month = ₹8.7L at maturity. Year-wise chart with actual historical rates for existing accounts.
₹71.8L
Maturity at Age 21
₹49.3L
Interest Earned
₹22.5L
Total Invested
₹6.75L
Tax Saved (80C)
SSY Investment Details
₹
Min ₹250Max ₹1.5 Lakh
Years
BirthMax 10 years
Starting a new account this year
%
Current SSY rate: 8.2% (FY 2025-26).
📅 Key Milestones
Account Opened2026
Deposits End2040 (15 years)
Maturity Year2046 (Age 26)
Partial WithdrawalAfter age 18
50% at age 18₹35.9L
Why SSY is Best for Girls
- ✓Highest interest rate among small savings (8.2%)
- ✓EEE status - Invest, Earn, Withdraw all tax-free
- ✓80C deduction up to ₹1.5 lakh/year
- ✓Government-backed, zero risk
- ✓Annual compounding for better returns
Maturity Breakdown
Deposited
Interest
Investment Summary
Yearly Deposit₹1,50,000
15-Year Total₹22.5L
Interest Earned+₹49.3L
Maturity Amount₹71.8L
Balance Growth Over 21 Years
2040
Deposits End
Age 18
50% Withdrawal
2046
Maturity
Year-wise Growth
| Year | Age | Rate | Deposit | Interest | Balance |
|---|---|---|---|---|---|
| 2026(now) | 6y | 8.2% | ₹1,50,000 | +₹12,300 | ₹1.62L |
| 2027 | 7y | 8.2% | ₹1,50,000 | +₹25,609 | ₹3.38L |
| 2028 | 8y | 8.2% | ₹1,50,000 | +₹40,009 | ₹5.28L |
| 2029 | 9y | 8.2% | ₹1,50,000 | +₹55,589 | ₹7.34L |
| 2030 | 10y | 8.2% | ₹1,50,000 | +₹72,448 | ₹9.56L |
| 2031 | 11y | 8.2% | ₹1,50,000 | +₹90,688 | ₹12.0L |
| 2032 | 12y | 8.2% | ₹1,50,000 | +₹1,10,425 | ₹14.6L |
| 2033 | 13y | 8.2% | ₹1,50,000 | +₹1,31,779 | ₹17.4L |
| 2034 | 14y | 8.2% | ₹1,50,000 | +₹1,54,885 | ₹20.4L |
| 2035 | 15y | 8.2% | ₹1,50,000 | +₹1,79,886 | ₹23.7L |
| 2036 | 16y | 8.2% | ₹1,50,000 | +₹2,06,937 | ₹27.3L |
| 2037 | 17y | 8.2% | ₹1,50,000 | +₹2,36,205 | ₹31.2L |
| 2038 | 18y | 8.2% | ₹1,50,000 | +₹2,67,874 | ₹35.3L |
| 2039 | 19y | 8.2% | ₹1,50,000 | +₹3,02,140 | ₹39.9L |
| 2040 | 20y | 8.2% | ₹1,50,000 | +₹3,39,215 | ₹44.8L |
| 2041 | 21y | 8.2% | — | +₹3,67,031 | ₹48.4L |
| 2042 | 22y | 8.2% | — | +₹3,97,128 | ₹52.4L |
| 2043 | 23y | 8.2% | — | +₹4,29,692 | ₹56.7L |
| 2044 | 24y | 8.2% | — | +₹4,64,927 | ₹61.3L |
| 2045 | 25y | 8.2% | — | +₹5,03,051 | ₹66.4L |
| 2046 | 26y | 8.2% | — | +₹5,44,301 | ₹71.8L |
SSY vs PPF Comparison
| Feature | Sukanya Samriddhi (SSY) | PPF |
|---|---|---|
| Interest Rate | 8.2% (Highest) | 7.1% |
| Tax Benefit | EEE (80C) | EEE (80C) |
| Lock-in Period | 21 years | 15 years |
| Eligibility | Girl child (0-10 years) | Any Indian citizen |
| Max Deposit/Year | ₹1.5 Lakh | ₹1.5 Lakh |
Frequently Asked Questions
What is Sukanya Samriddhi Yojana (SSY)?
SSY is a government savings scheme launched under 'Beti Bachao Beti Padhao' initiative for girl children below 10 years. It offers the highest interest rate (8.2%) among small savings schemes with complete tax exemption under Section 80C. The scheme matures when the girl turns 21.
Who can open an SSY account?
Natural or legal guardian can open SSY account for a girl child below 10 years of age. Maximum 2 accounts allowed per family (one per girl child). Third account is allowed only in case of twins or triplets as the third child.
What is the minimum and maximum deposit in SSY?
Minimum deposit is ₹250 per year (can be deposited in one or multiple installments). Maximum is ₹1,50,000 per year. Deposits must be made for 15 years from account opening. After 15 years, only interest accumulates until maturity at 21 years.
When can I withdraw from SSY account?
Partial withdrawal of up to 50% of balance is allowed after the girl turns 18, for higher education or marriage expenses. Full maturity withdrawal is at 21 years from account opening. Premature closure is allowed for marriage after age 18 or in case of account holder's death.
Is SSY interest and maturity amount taxable?
No, SSY enjoys EEE (Exempt-Exempt-Exempt) status - the best tax treatment. Your deposits qualify for 80C deduction (up to ₹1.5 lakh), interest earned is completely tax-free, and the maturity amount is also 100% tax-free.
What happens if I miss depositing the minimum amount?
If you fail to deposit the minimum ₹250 in a year, the account becomes inactive. To reactivate, you need to pay ₹50 penalty per year of default along with the minimum deposit. The account can be reactivated anytime before the girl turns 15.
Sukanya Samriddhi Yojana ₹5000 and ₹2000 Per Month Chart
Most popular SSY investment amounts with year-wise growth at 8.2% interest. These charts show exact maturity values if you start at age 0.
₹5,000/month SSY Chart
₹60,000 yearly deposit
₹21.7 Lakh
Maturity at 21
| Year | Deposit | Interest | Balance |
|---|---|---|---|
| Year 1 | ₹60,000 | ₹4,920 | ₹64,920 |
| Year 2 | ₹60,000 | ₹10,244 | ₹1,35,164 |
| Year 3 | ₹60,000 | ₹16,024 | ₹2,11,188 |
| Year 4 | ₹60,000 | ₹22,317 | ₹2,93,505 |
| Year 5 | ₹60,000 | ₹29,182 | ₹3,82,687 |
| Year 6 | ₹60,000 | ₹36,687 | ₹4,79,374 |
| Year 7 | ₹60,000 | ₹44,899 | ₹5,84,273 |
| Year 8 | ₹60,000 | ₹53,890 | ₹6,98,163 |
| Year 9 | ₹60,000 | ₹63,737 | ₹8,21,900 |
| Year 10 | ₹60,000 | ₹74,522 | ₹9,56,422 |
| Year 11 | ₹60,000 | ₹86,336 | ₹11,02,758 |
| Year 12 | ₹60,000 | ₹99,274 | ₹12,62,032 |
| Year 13 | ₹60,000 | ₹1,13,435 | ₹14,35,467 |
| Year 14 | ₹60,000 | ₹1,28,928 | ₹16,24,395 |
| Year 15 (deposits end) | ₹60,000 | ₹1,45,868 | ₹18,30,263 |
| Year 16 | — | ₹1,50,082 | ₹19,80,345 |
| Year 17 | — | ₹1,62,388 | ₹21,42,733 |
| Year 18 | — | ₹1,75,704 | ₹23,18,437 |
| Year 19 | — | ₹1,90,112 | ₹25,08,549 |
| Year 20 | — | ₹2,05,701 | ₹27,14,250 |
| Year 21 | — | ₹2,22,568 | ₹29,36,818 |
Total Invested: ₹9,00,000Interest Earned: ₹20,36,818
₹2,000/month SSY Chart
₹24,000 yearly deposit
₹8.7 Lakh
Maturity at 21
| Year | Deposit | Interest | Balance |
|---|---|---|---|
| Year 1 | ₹24,000 | ₹1,968 | ₹25,968 |
| Year 2 | ₹24,000 | ₹4,098 | ₹54,066 |
| Year 3 | ₹24,000 | ₹6,410 | ₹84,476 |
| Year 4 | ₹24,000 | ₹8,927 | ₹1,17,403 |
| Year 5 | ₹24,000 | ₹11,673 | ₹1,53,076 |
| Year 6 | ₹24,000 | ₹14,675 | ₹1,91,751 |
| Year 7 | ₹24,000 | ₹17,960 | ₹2,33,711 |
| Year 8 | ₹24,000 | ₹21,556 | ₹2,79,267 |
| Year 9 | ₹24,000 | ₹25,496 | ₹3,28,763 |
| Year 10 | ₹24,000 | ₹29,814 | ₹3,82,577 |
| Year 11 | ₹24,000 | ₹34,547 | ₹4,41,124 |
| Year 12 | ₹24,000 | ₹39,732 | ₹5,04,856 |
| Year 13 | ₹24,000 | ₹45,413 | ₹5,74,269 |
| Year 14 | ₹24,000 | ₹51,634 | ₹6,49,903 |
| Year 15 (deposits end) | ₹24,000 | ₹58,444 | ₹7,32,347 |
| Year 16 | — | ₹60,052 | ₹7,92,399 |
| Year 17 | — | ₹64,977 | ₹8,57,376 |
| Year 18 | — | ₹70,305 | ₹9,27,681 |
| Year 19 | — | ₹76,070 | ₹10,03,751 |
| Year 20 | — | ₹82,308 | ₹10,86,059 |
| Year 21 | — | ₹89,057 | ₹11,75,116 |
Total Invested: ₹3,60,000Interest Earned: ₹8,15,116
SSY Maturity Amount by Monthly Deposit (at 8.2% interest)
| Monthly Deposit | Yearly | 15-Year Total | Interest Earned | Maturity at 21 |
|---|---|---|---|---|
| ₹1,000/month | ₹12,000 | ₹1,80,000 | ₹4,07,558 | ₹5,87,558 |
| ₹2,000/month | ₹24,000 | ₹3,60,000 | ₹8,15,116 | ₹11,75,116 |
| ₹3,000/month | ₹36,000 | ₹5,40,000 | ₹12,22,674 | ₹17,62,674 |
| ₹5,000/month | ₹60,000 | ₹9,00,000 | ₹20,36,818 | ₹29,36,818 |
| ₹10,000/month | ₹1,20,000 | ₹18,00,000 | ₹40,73,636 | ₹58,73,636 |
| ₹12,500/month (MAX) | ₹1,50,000 | ₹22,50,000 | ₹50,92,045 | ₹73,42,045 |
* Calculations assume account opened at girl's birth (age 0), consistent 8.2% interest rate, and maturity at age 21. Actual maturity depends on when account is opened and interest rate changes.
💡
Start Early
Opening account at birth gives 21 years of compounding vs 11 years if opened at age 10. Difference can be ₹10+ lakh!
📅
Deposit Before April 5
Interest is calculated on lowest balance between 5th and end of month. Deposit early in financial year for maximum interest.
🎯
Max Out If Possible
₹12,500/month gives ₹73.4L at maturity. If budget allows, this is the best tax-free return available for girl child.
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Your data stays on your device. SSY is a government-backed scheme.