Estimate Sukanya Samriddhi Yojana maturity value instantly. This SSY calculator (default rate 8.2% p.a.) projects 21-year maturity, monthly/annual planning, tax-free returns and includes a downloadable PDF report for records and planning.
Rated 4.9 ★ by 1,200 users — trusted tool for tax-free savings for girl child and 21 years maturity calculator planning.
Min ₹100 (multiples of 100)
Eligibility: 0–10 years to open SSY
Default SSY rate 2025 (editable for scenario)
Projected Maturity Value (21 years)
₹0
Tax-free maturity under Sukanya Samriddhi Yojana
Monthly Deposit
₹1,000
Total Deposited (15 yrs)
₹0
Total Interest Earned
₹0
Maturity Age
21 years from opening
Year-wise Summary (sample years)
Year
Year-End Balance
Annual Interest
Projected Maturity
₹0
Total Deposited
₹0
Total Interest
₹0
Effective Return (approx)
—
Calculating...
Tax Information
Sukanya Samriddhi Yojana: maturity & interest are tax-free under current EEE rules. Confirm latest rules at time of investment.
Withdrawal & Premature Closure
Partial withdrawal allowed after child turns 18 for higher education (up to 50% of balance).
Premature closure allowed under specific conditions—verify post office/bank rules.
Sukanya Samriddhi Yojana vs PPF vs Bank FD (Quick)
Feature
SSY
PPF
Bank FD
Interest Rate
8.2%
7.1%
7–7.5%
Lock-in
21 years
15 years
Flexible
Tax Benefit
EEE (Tax-free)
80C + tax-free maturity
Taxable interest
Risk
Zero
Zero
Low
* Rates shown are illustrative — confirm latest rates before investing.
Our Sukanya Samriddhi Calculator helps parents estimate the maturity amount for their girl child's future. Use this 21 years maturity calculator and plan tax-free savings for girl child with SSY's government-backed returns. The tool includes a downloadable PDF report, year-wise summary and direct share options.
Frequently Asked Questions
What is the Sukanya Samriddhi interest rate for 2025?
Default rate used: 8.2% p.a. — subject to government revision.
How to calculate SSY maturity amount?
Monthly contributions for 15 years are compounded monthly and the accumulated balance grows until 21 years from account opening. This calculator simulates monthly compounding for precise estimates.
Is SSY tax-free?
Yes — contribution, interest and maturity are tax-free under current rules (EEE). Verify legislative changes before investing.
Can I withdraw before 21 years?
Partial withdrawal allowed for higher education after child turns 18 (up to 50% of balance). Premature closure rules apply under special conditions.
Estimate Sukanya Samriddhi Yojana maturity value instantly. This SSY calculator (default rate 8.2% p.a.) projects 21-year maturity, monthly/annual planning, tax-free returns and includes a downloadable PDF report for records and planning.
Rated 4.9 ★ by 1,200 users — trusted tool for tax-free savings for girl child and 21 years maturity calculator planning.
Min ₹100 (multiples of 100)
Eligibility: 0–10 years to open SSY
Default SSY rate 2025 (editable for scenario)
Projected Maturity Value (21 years)
₹0
Tax-free maturity under Sukanya Samriddhi Yojana
Monthly Deposit
₹1,000
Total Deposited (15 yrs)
₹0
Total Interest Earned
₹0
Maturity Age
21 years from opening
Year-wise Summary (sample years)
Year
Year-End Balance
Annual Interest
Projected Maturity
₹0
Total Deposited
₹0
Total Interest
₹0
Effective Return (approx)
—
Calculating...
Tax Information
Sukanya Samriddhi Yojana: maturity & interest are tax-free under current EEE rules. Confirm latest rules at time of investment.
Withdrawal & Premature Closure
Partial withdrawal allowed after child turns 18 for higher education (up to 50% of balance).
Premature closure allowed under specific conditions—verify post office/bank rules.
Sukanya Samriddhi Yojana vs PPF vs Bank FD (Quick)
Feature
SSY
PPF
Bank FD
Interest Rate
8.2%
7.1%
7–7.5%
Lock-in
21 years
15 years
Flexible
Tax Benefit
EEE (Tax-free)
80C + tax-free maturity
Taxable interest
Risk
Zero
Zero
Low
* Rates shown are illustrative — confirm latest rates before investing.
Our Sukanya Samriddhi Calculator helps parents estimate the maturity amount for their girl child's future. Use this 21 years maturity calculator and plan tax-free savings for girl child with SSY's government-backed returns. The tool includes a downloadable PDF report, year-wise summary and direct share options.
Frequently Asked Questions
What is the Sukanya Samriddhi interest rate for 2025?
Default rate used: 8.2% p.a. — subject to government revision.
How to calculate SSY maturity amount?
Monthly contributions for 15 years are compounded monthly and the accumulated balance grows until 21 years from account opening. This calculator simulates monthly compounding for precise estimates.
Is SSY tax-free?
Yes — contribution, interest and maturity are tax-free under current rules (EEE). Verify legislative changes before investing.
Can I withdraw before 21 years?
Partial withdrawal allowed for higher education after child turns 18 (up to 50% of balance). Premature closure rules apply under special conditions.