Sukanya Samriddhi Account (SSA) Calculator
Calculate maturity value and check your 21-year compounding growth.
📅 21-Year Investment Breakdown
| Year | Opening Balance | Deposit (₹) | Interest Earned | Closing Balance |
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Secure Your Daughter's Future with SSY
The Sukanya Samriddhi Yojana (SSY), part of the "Beti Bachao, Beti Padhao" campaign, is one of the highest-paying, tax-free savings schemes provided by the Government of India. Our SSY Calculator helps parents accurately plan their daughter's financial future for higher education or marriage.
How does the SSA Calculation Work?
Unlike standard FDs or PPF, the Sukanya Samriddhi Account has a unique deposit structure. You are required to make deposits for only the first 15 years. However, the account matures at 21 years. For the remaining 6 years (Year 16 to Year 21), no deposits are allowed, but your accumulated balance continues to earn high compound interest.
Because of this EEE (Exempt-Exempt-Exempt) tax structure and high interest rate (currently 8.2%), it creates a massive corpus by the time the child turns 21.
Frequently Asked Questions
What is the maturity period for Sukanya Samriddhi Account?
The maturity period for the SSY account is 21 years from the date of opening. However, deposits need to be made only for the first 15 years.
What is the minimum and maximum deposit limit for SSY?
The minimum deposit required in a financial year is ₹250, and the maximum limit is ₹1,50,000. Deposits qualify for tax benefits under Section 80C.
Does the account earn interest after 15 years?
Yes, although you stop making deposits after 15 years, the accumulated balance continues to earn compound interest until maturity at 21 years.