Sukanya Samriddhi Yojana Calculator — 8.2% (2026)
Calculate your daughter's SSY maturity value at 8.2% p.a. — the highest small-savings rate, unchanged for Q2 FY 2026-27 (July 2026). Deposits run 15 years; the account matures 21 years from opening, fully tax-free (EEE).
How SSY maturity is calculated
You deposit for the first 15 years only. The balance then keeps compounding at 8.2% for 6 more years until the account matures 21 years from opening.
Years 16–21: Balance = Balance × 1.082 (no new deposits)
SSY maturity value at 8.2% (deposits for 15 years, maturity at 21)
| Yearly deposit | Total invested (15 yrs) | Maturity value (21 yrs) | Tax-free interest |
|---|---|---|---|
| ₹50,000 | ₹7,50,000 | ₹23,94,040 | ₹16,44,040 |
| ₹1,00,000 | ₹15,00,000 | ₹47,88,079 | ₹32,88,079 |
| ₹1,50,000 | ₹22,50,000 | ₹71,82,119 | ₹49,32,119 |
SSY rules at a glance (July 2026, Q2 FY 2026-27)
| Feature | Detail |
|---|---|
| Interest rate | 8.2% p.a., compounded annually (unchanged 9 quarters) |
| Eligibility | Girl child below 10 years; opened by parent/guardian |
| Deposit limit | ₹250 minimum – ₹1,50,000 maximum per financial year |
| Deposit period | First 15 years; account matures 21 years from opening |
| Tax status | EEE — 80C deduction (old regime), tax-free interest & maturity |
| Withdrawal | Up to 50% for higher education after age 18; closure on marriage after 18 |
Frequently asked questions
What is the Sukanya Samriddhi interest rate in 2026?
SSY earns 8.2% per annum for Q2 FY 2026-27 (July–September 2026), compounded annually — the highest rate among small-savings schemes, unchanged for the 9th consecutive quarter.
How much will ₹1.5 lakh per year in SSY become?
Depositing ₹1,50,000 per year for the first 15 years at 8.2% grows to ₹71,82,119 when the account matures 21 years after opening — ₹22,50,000 invested plus ₹49,32,119 tax-free interest.
Who can open a Sukanya Samriddhi account?
A parent or legal guardian can open an SSY account for a girl child below 10 years of age, at a post office or authorised bank. A maximum of ₹1.5 lakh can be deposited per financial year.
When does an SSY account mature?
The account matures 21 years from the date of opening. Deposits are made only for the first 15 years; the balance keeps compounding at the notified rate for the remaining 6 years. Partial withdrawal for higher education is allowed after the girl turns 18.
Plan your daughter's future — free
SSY year-by-year schedule, education goal planner & PDF export. 45+ Indian calculators. Works offline. No login, no ads.
Download FinCalix on Google Play