🇮🇳 Girl Child Savings Scheme
Sukanya Samriddhi
Yojana Calculator
Calculate SSY maturity amount and plan your daughter's financial future with India's best girl child scheme.
👧 SSY Maturity Calculator
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Total Deposited
₹0
Interest Earned
₹0
Maturity Amount
₹0
Daughter's Age at Maturity
21 yrs
What is Sukanya Samriddhi Yojana?
Sukanya Samriddhi Yojana (SSY) is a government-backed savings scheme designed exclusively for the girl child. Launched under the Beti Bachao Beti Padhao campaign, it offers one of the highest guaranteed interest rates among small savings schemes in India — currently 8.2% per annum (Q1 FY 2024-25). The scheme has EEE (Exempt-Exempt-Exempt) tax status — completely tax-free investment, returns, and withdrawal.
SSY Key Features (2024)
| Feature | Details |
|---|---|
| Eligibility | Girl child below 10 years old |
| Interest Rate (2024-25) | 8.2% per annum (compounded annually) |
| Minimum Deposit | ₹250 per year |
| Maximum Deposit | ₹1,50,000 per year |
| Deposit Period | 15 years from account opening |
| Maturity | 21 years from account opening |
| Premature Withdrawal | 50% for higher education at age 18 |
| Tax Benefit | Section 80C deduction up to ₹1.5 lakh |
| Tax Status | EEE — Fully Tax-Free |
SSY Returns at Max Deposit (₹1.5 Lakh/Year)
| Account Duration | Total Deposited | Interest Earned | Maturity Amount |
|---|---|---|---|
| 15 deposit years | ₹22,50,000 | ~₹46 lakh | ~₹69 lakh |
| Earlier start | More compounding benefit | Higher returns | Higher maturity |
💡 Start Early! Opening the SSY account on day 1 of your daughter's birth vs at age 10 can mean a difference of ₹10–15 lakh at maturity due to compounding.
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