Sukanya Samriddhi calculator
The highest safe, tax-free rate in India — for a girl child's future.
Quick answer
An SSY calculator estimates Sukanya Samriddhi Yojana maturity for a girl child under 10. Deposits run 15 years; interest compounds until age 21. Returns are among the highest safe, tax-free rates in India.
Tax-free maturity (year 21)
Deposit ₹1,50,000/year for 15 years; it matures 21 years after opening.
- You deposit
- ₹22,50,000
- Tax-free growth
- ₹49,32,119
Deposits qualify for 80C, and both the interest and maturity are completely tax-free.
Rates & rules checked on 15 June 2026 · based on FY 2025-26 (AY 2026-27).
What this tells you
Sukanya Samriddhi Yojana is a government scheme for a girl child under 10, offering the highest safe, tax-free rate available. Deposit for 15 years; it matures at 21.
How it's calculated
Yearly deposits compound annually at the SSY rate. Deposits run for 15 years, but interest keeps compounding until the account matures 21 years after opening.
Common questions
- Who can open an SSY account?
- A parent or guardian, for a girl child below 10 years of age. One account per girl, up to two girls per family (three in case of twins).
Jargon, explained
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Sources
For general education, not personalised financial advice. Verify current rates and rules before acting — tax laws and interest rates change.