SSY Calculator India 2026 - Sukanya Samriddhi Yojana Interest & Maturity

It estimates the maturity amount of the Sukanya Samriddhi Yojana (SSY) from the yearly contribution, tenure, and assumed SSY interest rate, helping parents plan long-term savings for a girl child in ₹ with government-backed compounding. It's an estimate — actual maturity depends on the official SSY rate and scheme rules on your deposit dates.

Your maturity amount depends on the yearly contribution and the official SSY rate during the contribution period. Deposits are made for up to 15 years, but the account matures 21 years from the date it was opened (not from the girl's age), so the balance keeps compounding for the years after deposits stop.

Yes. SSY follows the EEE structure: deposits qualify for a Section 80C deduction (within the ₹1.5L overall limit), interest is tax-exempt, and the maturity amount is tax-exempt under prevailing rules. This applies under the Old Tax Regime.

Partial withdrawal, up to 50% of the balance at the end of the preceding financial year, is allowed after the girl turns 18, generally for higher education or marriage expenses. Confirm the current documentation and withdrawal rules with your bank or post office before planning around this.

A parent or legal guardian can open an SSY account for a girl child under 10 years of age. A maximum of two accounts are allowed per family (one per girl child), with an exception for twins/triplets in specific birth-order circumstances. Only one account is allowed per girl child.