Sukanya Samriddhi Yojana Calculator

Sukanya Samriddhi Yojana Calculator
Latest SSY interest rates: 8.20%
You can invest a maximum amount up to ₹1,50,000
Yearly ₹
  • ₹250
  • ₹1,50,000
Govt. allows maximum age of enrollment to 10 years
Years
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  • 8
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  • 10
Investment term is 21 years
Year
Total investment
₹1.5 Lakh
Total interest
₹3.3 Lakh
Maturity year
2047
Maturity value
₹4.8 Lakh
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What is the Sukanya Samriddhi Yojana Calculator?

The Sukanya Samriddhi Yojana Calculator is an online tool that enables users to compute the potential returns on their investments in the SSY Scheme. The SSY calculator shows you how much money you can save for your girl child's education and marriage expenses.

The calculator takes the following details into account:

  • Yearly investment amount
  • Age of Girl Child
  • Starting year of your investment

How to Use the Sukanya Samriddhi Yojana Calculator from Policybazaar?

Follow the three simple steps mentioned below to learn the use of Policybazaar’s Sukanya Samriddhi calculator:

Step 1: Open the Sukanya Samriddhi Yojana calculator.

Step 2: Enter the following information in the SSY calculator:

  • The yearly amount of investment
  • The entry age of the girl child
  • Starting year of investment

Step 3: Click the "Calculate" button.

Final Result: The Sukanya Samriddhi Yojana calculator will show you the following results:

  • Total Amount of Investment
  • Total Interest Earned
  • Total Maturity Amount
  • Maturity Year of SSY Account

How Does the Sukanya Samriddhi Yojana Calculator Work?

The Sukanya Samriddhi Yojana calculator works on the basis of the following formula
A = P(1 + r/n)^(nt)
Terms used in Sukanya Samriddhi Yojana Calculator
P
Initial Deposit
r
Annual Deposit
n
Number of times the interest compounds in a year
t
Number of years
A
Amount at maturity

For example:

Let’s assume the SSY account again offers an interest rate of 8.2% p.a. If you put Rs. 30,000 each year into an SSY account for 21 years, compound interest works its magic. By the end, you'll get Rs. 14,36,424 at maturity. The table below illustrates the calculations for each year:

Year Opening Balance (Rs.) Deposit (Rs.) Interest (Rs.) Closing Balance (Rs.)
1 0 30,000 2,460 32,460
2 32,460 30,000 5,122 67,582
3 67,582 30,000 7,974 1,05,556
4 1,05,556 30,000 11,017 1,46,573
5 1,46,573 30,000 14,271 1,90,844
6 1,90,844 30,000 17,744 2,38,588
7 2,38,588 30,000 21,446 2,90,034
8 2,90,034 30,000 25,389 3,45,423
9 3,45,423 30,000 29,590 4,05,013
10 4,05,013 30,000 34,064 4,69,077
11 4,69,077 30,000 38,825 5,37,902
12 5,37,902 30,000 43,891 6,11,793
13 6,11,793 30,000 49,283 6,91,076
14 6,91,076 30,000 55,021 7,76,097
15 7,76,097 30,000 61,127 8,67,224
16 8,67,224 0 71,118 9,38,342
17 9,38,342 0 76,945 10,15,287
18 10,15,287 0 82,804 10,98,091
19 10,98,091 0 89,621 11,87,712
20 11,87,712 0 97,585 12,85,297
21 12,85,297 0 1,05,986 14,36,424

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Maturity Amount for Different Investments

The table below shows the final amount you will receive at maturity based on different annual deposit amounts:

Amount Invested Annually Total Investment Interest Earned Maturity Amount (after 21 years)
15,000 2,25,000 4,10,504 6,35,504
30,000 4,50,000 9,86,424 14,36,424
60,000 9,00,000 19,72,847 28,72,847
90,000 13,50,000 29,59,271 43,09,271
1,20,000 18,00,000 39,45,695 57,45,695
1,35,000 20,25,000 44,38,908 64,63,908

Tax Benefits Calculation of Sukanya Samriddhi Yojana

The deposited amount in the SSY account is eligible for a tax deduction of up to Rs. 1,50,000 per year under Section 80C of the Income Tax Act in the old regime. The interest earned on the deposit and the maturity amount are both tax-free.

Example Tax Calculation

If your annual income is Rs. 7,50,000 and you have invested Rs. 1,35,000 in Sukanya Samriddhi Yojana, your taxable income would be calculated as follows:

  • Yearly Income = Rs. 7,50,000
  • Standard deduction = Rs. 50,000
  • Deduction under Section 80C for SSY = Rs. 1,35,000
  • Your final taxable income would be = Rs. 5,65,000

You will pay a tax of Rs. 33,800. If you had not invested in Sukanya Samriddhi Yojana, you would have paid a tax of Rs. 59,400.

In Policybazaar’s Sukanya Samriddhi Yojana calculator, you just need to enter the yearly investment amount, the age of the girl child, and the investment start year, and the calculator will show you the maturity amount instantly.

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Invest ₹10K/Month YOU GET ₹1 Crores* For Your Child View Plans
Invest ₹8K/Month YOU GET ₹80 Lakhs* For Your Child View Plans
Invest ₹5K/Month YOU GET ₹50 Lakhs* For Your Child View Plans
Standard T&C Apply *

Who Can Use the SSY Calculator 2026?

If you are eligible for the Sukanya Samriddhi Yojana Scheme, you could use the calculator to plan your investments in the scheme. The following are the eligibility criteria for the scheme:

family investment plans

Parent/Guardian

  • Parent or legal guardian of girl child (below 10 years).​​
  • Girl must be Indian resident until maturity.​
senior citizen investment plans

Families With Two Girl Children

  • Max two accounts per family.​
  • Third allowed if second birth is twins.​
critical illness investment plans

People Looking to Save Tax

  • Investments qualify for a deduction up to ₹1.5 lakh under Section 80C.​
  • Tax-free interest and maturity for investors.

What are the Benefits of Using an SSY Calculator?

Below are the key benefits of the Sukanya Samriddhi Yojana calculator: 

  • Access it anytime, anywhere on your phone or computer without any hassle.
  • It crunches compound interest numbers automatically, so you don't have to.
  • Enter details and get answers right away for any scenario.
  • See exactly how much you'll need for her education or wedding.
  • Uses current interest rates for reliable projections.

Tax Benefits Under the SSY Scheme 

One of the significant advantages of the Sukanya Samriddhi Yojana is its tax efficiency:

  • Tax Deduction under Section 80C: Deposits up to ₹1.5 lakh per annum are eligible for deduction under Section 80C of the Income Tax Act, 1961.
  • Tax-Free Interest and Maturity: The interest your money earns and the full amount you get at maturity are completely tax-free. SSY is an "EEE" scheme, exempt when you invest, exempt on interest, and exempt when you withdraw. 

FAQs

  • Why use Policybazaar's SSY Calculator?

    Policybazaar’s SSY Calculator helps you easily estimate the maturity amount of your Sukanya Samriddhi Yojana account based on current interest rates, yearly deposits, and investment duration. It simplifies complex calculations to help you effectively plan your finances for your daughter’s future needs.

  • What is Sukanya Rs. 10,000 per month?

    This means depositing Rs. 10,000 every month into the SSY account. Over the 15-year deposit period plus 6-year lock-in, this can grow to a significant corpus (potentially around Rs. 1 crore) with compounded interest at 8.2%.

  • How is Sukanya Samriddhi Yojana calculated by the post office?

    The Post Office SSY calculator applies the government-set interest rate to annual or monthly contributions over the 21-year tenure. It sums deposits and compounded interest each year to estimate the maturity amount.

  • What is Sukanya Samriddhi Yojana 1500 per month post office?

    Investing Rs. 1,500 monthly (Rs. 18,000 yearly) in SSY for 15 years can yield a maturity corpus of around Rs. 10-11 lakhs after 21 years, including compounded interest.

  • What is Sukanya 1000 per month?

    It refers to monthly contributions of Rs. 1,000 in the SSY account. Such deposits over 15 years with 8.2% interest can mature to about Rs. 5.4 lakhs after 21 years.

  • What is SSY 5000 per month?

    Investing Rs. 5,000 monthly (Rs. 60,000 annually) is a higher contribution level to build a larger corpus for the girl child. The maturity amount and interest earned can be calculated using the SSY calculator for this input.

  • How does the Policybazaar SSY Calculator calculate the maturity amount?

    It calculates maturity by compounding the annual deposits with the current SSY interest rate (compounded yearly) over the investment period of typically 21 years. It adds up all deposits and interest accrued each year to provide the total maturity amount you can expect at the end of the scheme.

  • What is the deposit 2000 per month in Sukanya Samriddhi Yojana?

    Depositing Rs. 2,000 monthly results in a maturity amount close to Rs. 10.78 lakhs after 21 years at 8.2% interest, assuming consistent monthly deposits for 15 years followed by a 6-year lock-in period.

  • What is the deposit for SSY after 15 years?

    You can only deposit into the SSY account for 15 years from the account opening date. After 15 years, no further deposits are allowed, but the balance continues to earn interest until maturity at 21 years.

  • How much money will I get after 21 years of Sukanya Samriddhi Yojana?

    Maturity depends on your total annual deposits and interest. For example, investing Rs. 50,000 annually for 15 years at 8.2% yields about Rs. 23.94 lakhs. Investing the maximum Rs. 1.5 lakh annually can grow to around Rs. 69.28 lakhs or more after 21 years.

  • How does the Policybazaar SSY Calculator help me?

    The calculator shows you the expected maturity amount, total principal invested, and interest earned over the years. It allows you to adjust inputs like annual investment and tenure so you can visualize different saving scenarios and set realistic financial goals for education or marriage.
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Sukanya Samriddhi Yojana

˜The insurers/plans mentioned are arranged in order of highest to lowest first year premium (sum of individual single premium and individual non-single premium) offered by Policybazaar’s insurer partners offering life insurance investment plans on our platform, as per ‘first year premium of life insurers as at 31.03.2025 report’ published by IRDAI. Policybazaar does not endorse, rate or recommend any particular insurer or insurance product offered by any insurer. For complete list of insurers in India refer to the IRDAI website www.irdai.gov.in
*All savings are provided by the insurer as per the IRDAI approved insurance plan.
^The tax benefits under Section 80C allow a deduction of up to ₹1.5 lakhs from the taxable income per year and 10(10D) tax benefits are for investments made up to ₹2.5 Lakhs/ year for policies bought after 1 Feb 2021. Tax benefits and savings are subject to changes in tax laws.
#The investment risk in the portfolio is borne by the policyholder. Life insurance is available in this product. The maturity amount of Rs 1 Cr. is for a 30 year old healthy individual investing Rs 10,000/- per month for 30 years, with assumed rates of returns @ 8% p.a. that is not guaranteed and is not the upper or lower limits as the value of your policy depends on a number of factors including future investment performance. In Unit Linked Insurance Plans, the investment risk in the investment portfolio is borne by the policyholder and the returns are not guaranteed. Maturity Value: ₹1,05,02,174 @ CARG 8%; ₹50,45,591 @ CAGR 4%
+Returns Since Inception of LIC Growth Fund
¶Long-term capital gains (LTCG) tax (12.5%) is exempted on annual premiums up to 2.5 lacs.
++Source - Google Review Rating available on:- http://bit.ly/3J20bXZ
^^The information relating to mutual funds presented in this article is for educational purpose only and is not meant for sale. Investment is subject to market risks and the risk is borne by the investor. Please consult your financial advisor before planning your investments.

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