Calculate SSY maturity amount at 8.2% p.a. interest. Fully tax-free (EEE), 80C deduction, 21-year maturity from account opening. Best government scheme for girl child education and marriage.
8.2% p.a. (Q1 FY26)EEE Tax Status21-Year Maturity₹250 Min Deposit
👧 SSY Calculator
SSY account can be opened for a girl child up to age 10. Deposits can be made for 15 years from account opening. Account matures after 21 years. Interest continues to accrue even without deposits (years 16-21).
Account Details
Annual Deposit Amount ₹250 min, ₹1.5L max
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Girl's Current Age account must be opened before age 10
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SSY Interest Rate current rate Q1 FY2025-26 is 8.2%
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SSY — Frequently Asked Questions
What is Sukanya Samriddhi Yojana?+
SSY is a government savings scheme for the girl child launched under 'Beti Bachao Beti Padhao' initiative. Key features: (1) Can be opened at any post office or authorised bank, (2) For girls below age 10, (3) Deposits for 15 years, matures at 21 years, (4) Current interest rate: 8.2% p.a. (compounded annually), (5) EEE tax status — deposit, interest, and maturity all tax-free, (6) 80C deduction on deposits up to ₹1.5L/year.
Can I withdraw from SSY before 21 years?+
Partial withdrawal (up to 50%) is allowed after the girl turns 18 for higher education. Full premature closure is allowed: (1) After girl turns 18 for marriage (with 1 month notice), (2) On death of account holder, (3) Extreme compassionate grounds with penalty (reduced interest). No withdrawals allowed in the first 5 years.
What happens if I miss the annual minimum deposit?+
If you don't deposit the minimum ₹250 in a year, the account becomes "defaulted." To revive it, you must pay ₹50 penalty for each year of default plus the arrear minimum deposit. The account continues earning interest even when defaulted, and can be revived any time before maturity.