Sukanya Samriddhi Yojana (SSY) Calculator
Calculate tax-free SSY maturity at 8.2% — India's highest guaranteed government-backed return. Plan your daughter's future with certainty.
Investment Report
EQUIS Take (Asli Sach)
Agar aapki beti 10 saal se choti hai, toh isko mat chhodna. SSY ka 8.2% guaranteed tax-free return aaj ke time mein
The Math Behind Sukanya Samriddhi Yojana (SSY) Calculator
Understanding the true mechanics of this instrument helps you make optimal decisions with your money.
1. Best Rate for a Girl's Future
SSY offers 8.2% — the highest guaranteed government-backed return available in India. Compounded annually, this beats PPF, FDs, and RDs for a risk-free long-term instrument.
2. EEE Tax Status + 80C
Like PPF, SSY enjoys full EEE tax status: the investment qualifies under 80C, interest is tax-free, and the full maturity amount is tax-exempt. This makes it the best tax-free savings vehicle for a girl child.
3. Deposits Only for 15 Years, Matures at 21
You can only deposit for the first 15 years after opening. The account then continues to compound at 8.2% for the remaining 6 years without any new deposits, paying out the full amount when the girl turns 21.
Frequently Asked Questions
Until what age can I open an SSY account?expand_more
Can I open SSY for two daughters?expand_more
Government & Small Savings Benchmark Rates (Q2/Q3 FY26)
| Lending Institution / Scheme | Indicative Benchmark Rate | Key Insight / Terms |
|---|---|---|
| Post Office Recurring Deposit (RD) | 6.70% p.a. | Compounded quarterly. Sovereign guarantee backed by Govt of India. |
| Sukanya Samriddhi Yojana (SSY) | 8.20% p.a. | Completely tax-free under Section 80C and EEE tax category. |
| Senior Citizen Savings Scheme (SCSS) | 8.20% p.a. | Quarterly interest payout. Maximum investment ₹30 Lakhs. |
| Public Provident Fund (PPF) | 7.10% p.a. | Risk-free sovereign backing. Exempt-Exempt-Exempt (EEE) status. |
| Kisan Vikas Patra (KVP) | 7.50% p.a. | Compounded annually. Safe capital preservation vehicle. |
*Disclaimer: Benchmark rates are compiled directly from public bank filings and schedule circulars. Individual rate offers vary based on bureau score (CIBIL 750+), risk tiering, and loan-to-value (LTV) ratios.
Ensure Your Guaranteed Capital is Actually Beating Inflation
Fixed income offers security, but without tax optimization, inflation quietly erodes your purchasing power:
Prepaying small amounts early cuts your loan tenure by years and saves lakhs in interest.
Factor in property maintenance, inflation, and opportunity cost before committing to a 20-year loan.
Dealers quote low flat rates that are mathematically double when calculated on reducing balance.
Borrowing at 8.75% against real estate is 50% cheaper than unsecured personal loans.