🌸 Sukanya Samriddhi Calculator

Calculate SSY Maturity for Your Daughter — 8.2% Tax-Free Returns

Girl Child's Current Age

Annual Investment (₹)

SSY Interest Rate (%)

Maturity Amount (When Child Turns 21)

₹0

Total Invested

₹0

Interest Earned

₹0

Investment Period

15 yrs

Matures When Child Is

21 years

🌸 SSY Key Rules 2026

Feature	Details
Interest Rate	8.2% p.a. (FY 2024-25, reviewed quarterly)
Who Can Open	Parents/guardians for girl child below age 10
Min Investment	₹250/year
Max Investment	₹1,50,000/year
Investment Period	15 years from account opening
Maturity	21 years from account opening
Tax Status	EEE — Exempt under 80C, interest tax-free, maturity tax-free
Partial Withdrawal	50% for higher education after girl turns 18
Premature Closure	Allowed at 18 for marriage

💡 SSY vs PPF — Which is Better for Girl Child?

Feature	SSY	PPF
Interest Rate	8.2% (higher)	7.1%
80C Benefit	Yes (up to ₹1.5L)	Yes (up to ₹1.5L)
Lock-in	21 years from opening	15 years
For	Girl child only	Anyone
Verdict	Higher return + best for daughters	More flexible

FAQs

Can I open SSY account for 2 daughters?

Yes — one SSY account per girl child, maximum 2 accounts per family (one for each daughter). Exception: twins/triplets at second birth. Both accounts combined get 80C benefit under the ₹1.5L total limit. Each account must stay within ₹1.5L/year.

What happens if I miss a year's deposit?

The account becomes "inactive" if minimum ₹250 is not deposited in a year. Reactivate by paying ₹250 for each defaulted year + ₹50 penalty per year. Account must be reactivated before maturity. Interest continues to accrue even on inactive accounts.