Sukanya Samriddhi Yojana (SSY) Calculator
Calculate the maturity value of a Sukanya Samriddhi Yojana account for your daughter.
SSY accepts contributions for the first 15 years and matures 21 years after account opening. Current interest rate: 8.2% p.a. (govt-notified, revised quarterly). Max annual contribution: ₹1,50,000.
Maturity value
₹71,82,119
Total contribution
₹22,50,000
Total interest
₹49,32,119
Contributing ₹1,50,000 every year for 15 years at 8.2% grows to ₹71,82,119 by the time the account matures in year 21.
Year-wise growth
| Year | Total contribution | Maturity value |
|---|---|---|
| 1 | ₹1,50,000 | ₹1,62,300 |
| 2 | ₹3,00,000 | ₹3,37,909 |
| 3 | ₹4,50,000 | ₹5,27,917 |
| 4 | ₹6,00,000 | ₹7,33,506 |
| 5 | ₹7,50,000 | ₹9,55,954 |
| 6 | ₹9,00,000 | ₹11,96,642 |
| 7 | ₹10,50,000 | ₹14,57,067 |
| 8 | ₹12,00,000 | ₹17,38,846 |
| 9 | ₹13,50,000 | ₹20,43,732 |
| 10 | ₹15,00,000 | ₹23,73,618 |
| 11 | ₹16,50,000 | ₹27,30,554 |
| 12 | ₹18,00,000 | ₹31,16,760 |
| 13 | ₹19,50,000 | ₹35,34,634 |
| 14 | ₹21,00,000 | ₹39,86,774 |
| 15 | ₹22,50,000 | ₹44,75,989 |
| 16 | ₹22,50,000 | ₹48,43,020 |
| 17 | ₹22,50,000 | ₹52,40,148 |
| 18 | ₹22,50,000 | ₹56,69,840 |
| 19 | ₹22,50,000 | ₹61,34,767 |
| 20 | ₹22,50,000 | ₹66,37,818 |
| 21 | ₹22,50,000 | ₹71,82,119 |
How this calculator works
Sukanya Samriddhi Yojana is a government scheme designed to build a fund for a girl child's future. You contribute for the first 15 years; the balance then compounds for another 6 years without further deposits, maturing 21 years after account opening.
Worked example: contributing the maximum ₹1,50,000 every year for 15 years at the current 8.2% rate grows to approximately ₹71.8 lakh by maturity — more than triple your total contribution of ₹22.5 lakh, entirely tax-free.