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.

＋Equis / Investment Analytics
verifiedGovt Rate (Q3 2026): 8.2% p.a.
Annual Investment
₹
Investment Tenure
Years
ASSET

Investment Report

Total Invested₹7,50,000
Returns / Interest Earned₹16,44,040
SSY Maturity (Tax-Free)₹23,94,040

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

kisi bhi sarkari scheme mein sabse best hai.

The Math Behind Sukanya Samriddhi Yojana (SSY) Calculator

Understanding the true mechanics of this instrument helps you make optimal decisions with your money.

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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.

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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.

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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
An SSY account must be opened for a girl child before she turns 10 years old. The account matures when the girl turns 21 years, with deposits allowed only for the first 15 years after opening.
Can I open SSY for two daughters?expand_more
Yes, you can open one SSY account per girl child for a maximum of two daughters (or three in cases of twin girls or triplets as the second birth).