Sukanya Samriddhi (SSY) calculator
Sukanya Samriddhi Yojana rate for October-December 2026: 8.2%. Last checked 29 October 2026.
See what your yearly deposits in your daughter's Sukanya Samriddhi account grow to by maturity, and how old she will be when it matures.
Year by year
| Year | Her age | Deposit | Interest | Balance |
|---|
How SSY grows
You deposit for the first 15 years. For the next 6 years you deposit nothing, but the balance keeps compounding. That quiet stretch at the end adds a large share of the final amount, which is why starting when your daughter is very young makes such a difference.
The SSY rate is reviewed every quarter and applies to the whole balance, so the final figure will move with future rate changes. This calculator assumes today's rate holds throughout.
Also see the PPF calculator, which is open to anyone and currently pays 7.1%.
Questions people ask
What is the Sukanya Samriddhi interest rate now?
8.2% a year for October-December 2026, compounded yearly. See the SSY interest rate page for the latest rate.
How long do I have to deposit in SSY?
You deposit for 15 years from the date the account is opened. The account matures 21 years from opening. In the last 6 years your balance keeps earning interest with no new deposits.
What will ₹1.5 lakh a year in SSY become?
At 8.2%, ₹1.5 lakh a year for 15 years grows to about ₹71,82,119 at maturity. You deposit ₹22.5 lakh in total.
Who can open a Sukanya Samriddhi account?
A parent or legal guardian, for a girl under 10 years of age. The minimum deposit is ₹250 a year and the maximum is ₹1.5 lakh a year.
Is SSY interest taxable?
No. Deposits qualify for the 80C deduction in the old tax regime, and the interest and maturity amount are tax-free.