Sukanya Samriddhi Yojana Calculator
Calculate Sukanya Samriddhi Yojana maturity amount, yearly growth and total returns with our SSY Calculator. Includes line chart & detailed breakdown.
Sukanya Samriddhi Yojana (SSY) Calculator – Government-Compliant Maturity Calculator
The Sukanya Samriddhi Yojana (SSY) is one of India’s most trusted government-backed savings schemes designed exclusively for the financial future of a girl child. Introduced under the Beti Bachao Beti Padhao initiative, SSY offers high interest rates, tax benefits, and guaranteed maturity returns.
This advanced SSY Calculator follows official government rules including age eligibility, 15-year deposit limit, 21-year maturity, and partial withdrawal at age 18.
How to Use the Sukanya Samriddhi Yojana Calculator
- Enter the current age of your girl child (must be below 10 years).
- Enter your planned annual investment amount.
- Confirm or update the current SSY interest rate.
- Click Calculate to view maturity value and education corpus.
- Check the growth chart to understand yearly balance progression.
Eligibility Rules
- Girl child must be below 10 years at account opening
- Only one account per girl child
- Maximum two girl children per family (exceptions apply for twins)
Investment Rules
- Minimum ₹250 per year
- Maximum ₹1,50,000 per year
- Deposit allowed for 15 years only
- Maturity after 21 years
Tax Benefits
SSY enjoys EEE status (Exempt-Exempt-Exempt):
- Investment qualifies under Section 80C
- Interest earned is tax-free
- Maturity amount is tax-free
Why Use This SSY Calculator?
- Accurate government-rule calculation
- Maturity age projection
- Education withdrawal timeline
- Year-wise growth chart
- Helps plan daughter’s education & marriage corpus
Example
If you invest ₹1,00,000 annually for 15 years at 8.2%, the maturity value after 21 years can exceed ₹45 lakh.
This makes SSY one of the most powerful long-term small savings schemes in India.
Goal-Based Planning Using SSY
Education Planning
Partial withdrawal up to 50% is allowed after the girl turns 18. Use this corpus for higher education expenses such as college tuition, hostel fees, or professional courses.
Marriage Planning
The account matures at 21 years. The full maturity amount can be used for marriage expenses or further financial support.
Long-Term Financial Security
SSY provides tax-free guaranteed returns and is ideal for conservative long-term wealth creation for daughters.
Frequently Asked Questions
Frequently Asked Questions
What is the maximum investment allowed in SSY?
Maximum ₹1.5 lakh per year.
Can I open SSY after child turns 10?
No. Account must be opened before 10 years of age.
When can partial withdrawal be done?
After the girl child turns 18 years for education purposes.
Is SSY tax-free?
Yes. It has EEE tax status.
When does SSY mature?
21 years from account opening.