Sukanya Samriddhi Yojana Calculator — SSY Maturity 2026
Real-World Examples — 2026
₹50,000/year deposit for daughter aged 3
Depositing ₹50,000/year in SSY for a 3-year-old daughter at 8.2% p.a. for 15 years (total ₹7.5 lakh invested) yields approximately ₹22.7 lakh at maturity when she turns 21. Interest of ₹15.2 lakh is entirely tax-free.
Maximum deposit — ₹1.5 lakh/year
Maximum annual deposit of ₹1.5 lakh for 15 years (total ₹22.5 lakh) at 8.2% grows to approximately ₹68.1 lakh at maturity — all tax-free. This is among the best tax-free investment returns available.
Frequently Asked Questions
What is Sukanya Samriddhi Yojana (SSY)?
SSY is a government-backed small savings scheme for the girl child. It offers 8.2% p.a. (Q1 FY 2026-27) with EEE (Exempt-Exempt-Exempt) tax status — deposits qualify for 80C, interest is tax-free, and maturity is tax-free. Account matures when the girl turns 21. Deposits are made for 15 years.
When can SSY funds be withdrawn?
50% can be withdrawn after the girl turns 18 (for higher education/marriage). Full withdrawal on maturity (age 21) or on marriage after age 18. Premature closure only on account holder's death, life-threatening illness, or if girl becomes non-resident.
Can a family open more than one SSY account?
A family can open one account per girl child, maximum 2 accounts per family (3 in case of twins/triplets at second birth). Only biological or legally adopted daughters qualify. Grandparents cannot open accounts.
Is the SSY Calculator free?
Yes, the SSY Calculator on CalcPhi is completely free with no registration required.
Are my inputs stored?
No. All calculations run in your browser. We do not store any financial data.
Can I use the SSY Calculator on mobile?
Yes. CalcPhi is fully mobile-optimised and works on all modern smartphones.