Sukanya Samriddhi interest rate: 8.2% for October-December 2026
Valid 1 October 2026 to 31 December 2026. Last checked 29 October 2026. Next review: on or around 31 December 2026, for January-March 2027.
Sukanya Samriddhi Yojana pays 8.2% a year for October-December 2026, compounded yearly and tax-free. Unchanged from July-September 2026. Rates have now been held for ten consecutive quarters.
What 8.2% grows to by maturity
| Yearly deposit | Total deposited (15 years) | Tax-free interest | Maturity value (21 years) |
|---|---|---|---|
| ₹50,000 | ₹7,50,000 | ₹16,44,040 | ₹23,94,040 |
| ₹1,00,000 | ₹15,00,000 | ₹32,88,079 | ₹47,88,079 |
| ₹1,50,000 | ₹22,50,000 | ₹49,32,119 | ₹71,82,119 |
Assumes today's rate holds for the full 21 years. The rate floats and is reviewed every quarter. Try your own figures in the SSY calculator.
Key rules
- For a girl child under 10. Opened by a parent or legal guardian.
- Minimum ₹250 a year, maximum ₹1.5 lakh a year.
- Deposits for 15 years from opening. The account matures 21 years from opening.
- Deposits qualify for 80C in the old regime. Interest and maturity are tax-free.
Compare with every other scheme on the small savings rates page, or read which scheme suits whom.
Questions people ask
What is the Sukanya Samriddhi interest rate now?
8.2% a year for October-December 2026. Unchanged from July-September 2026. Rates have now been held for ten consecutive quarters.
Is the SSY rate fixed for my account?
No. The rate is reviewed every quarter and the new rate applies to the whole balance.
Sources: Ministry of Finance notification on small savings rates for Q3 FY 2026-27, reported 30 September 2026; Business Today: Small savings rates unchanged for Q3 FY27.