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calculate Income Tax Calculator
Last updated: 2026-05-04
child_care
folder_open Govt. Scheme

Sukanya Samriddhi Calculator

SSY Calculator for Girl Child — 21-Year Maturity

8.2% Rate
lightbulb Smart Tip: Enter your SSY investment details below. The maturity amount and interest breakdown will update automatically on the right. The SSY scheme offers the highest interest rate among all small savings schemes!

child_care SSY Investment Calculator

Use our SSY calculator to estimate the Sukanya Samriddhi Yojana maturity amount, total interest earned, and plan your daughter's future. SSY offers EEE (Exempt-Exempt-Exempt) tax status with government-backed returns.

🎂
Account can be opened for girls below 10 years
Min: ₹250 | Max: ₹1.5 Lakh per year
7% 8% 9%
Current rate: 8.2% (Q1 FY 2026-27, Apr-Jun 2026)

assignment SSY Investment Summary

Daughter's Age at Maturity26 years
Investment Period15 years
Maturity Period21 years
Total Investment0
Total Interest Earned0
Maturity Amount0
Investment vs Interest
Invested Amount
Interest Earned

calendar_today SSY Timeline

trending_up Year-wise Growth

assignment SSY Scheme Features 2026

FeatureDetails
Interest Rate8.2% p.a. (Q1 FY 2026-27, Apr-Jun 2026)
Tax StatusEEE (Fully Tax-Free)
Minimum Deposit₹250 per year
Maximum Deposit₹1,50,000 per year
Deposit Period15 years
Maturity Period21 years from account opening
Age EligibilityGirl child below 10 years
Account LimitMaximum 2 accounts per family (one per girl)
Partial Withdrawal50% of balance after girl turns 18 (for education)
Premature ClosureAllowed after girl turns 18 for marriage

compare_arrows SSY vs Other Small Savings Schemes

FeatureSSYPPFNSCTax-Saving FD
Interest Rate8.2%7.1%7.7%6.5-7%
Tenure21 years15 years5 years5 years
Tax on InterestTax-FreeTax-FreeTaxableTaxable
Tax on MaturityTax-FreeTax-FreeTaxableTaxable
80C DeductionYesYesYesYes
EligibilityGirl child <10 yrsAll Indian residentsAll Indian residentsAll Indian residents

Sukanya Samriddhi Yojana: Complete Guide for Parents

Sukanya Samriddhi Yojana (SSY) is a flagship scheme launched by the Government of India under the "Beti Bachao, Beti Padhao" campaign. It's designed to secure the future of the girl child through disciplined savings.

SSY Interest Rate History

PeriodInterest Rate
Q1 FY 2026-278.2%
Q1 FY 2025-268.2%
Q4 FY 2024-258.2%
Q3 FY 2024-258.2%
Q2 FY 2024-258.2%

Tax Benefits of SSY

  • Section 80C: Deposits up to ₹1.5 Lakh qualify for deduction
  • Interest: Completely tax-free
  • Maturity: Entire maturity amount is tax-free
  • EEE Status: Exempt-Exempt-Exempt (best tax treatment)

Withdrawal Rules

  • Partial Withdrawal: 50% of balance allowed after girl turns 18 (for education)
  • Premature Closure: Allowed after girl turns 18 for marriage
  • Full Maturity: After 21 years from account opening

Explore Related Investment Calculators

Plan your complete financial portfolio with our suite of investment calculators:

Frequently Asked Questions

Can I open SSY account for my adopted daughter?
Yes, legal guardians can open SSY accounts for adopted daughters. You'll need to provide adoption documents along with the account opening form.
What happens if I miss a yearly deposit?
If you fail to deposit the minimum ₹250 in a year, the account becomes inactive. It can be revived by paying ₹50 penalty per year of default along with the minimum deposit.

Frequently Asked Questions

Find answers to common questions about sukanya samriddhi. Click on any question to expand the answer.

Sukanya Samriddhi Yojana (SSY) is a government-backed savings scheme for the girl child under the Income Tax Act, 2025. You can use our SSY calculator to estimate the maturity amount for your daughter's future education and marriage.

The SSY interest rate is reviewed quarterly by the government. For Q1 FY 2026-27 (April-June 2026), the interest rate is 8.2% per annum, compounded annually.

A parent or legal guardian can open an SSY account in the name of a girl child who is below the age of 10. A maximum of two accounts can be opened for two different girl children in a family.

The minimum annual contribution is ₹250, and the maximum is ₹1.5 Lakhs in a financial year. You need to make contributions for the first 15 years of the account.

The account matures 21 years from the date of opening. Partial withdrawal of up to 50% of the balance is allowed for the girl child's higher education after she turns 18.

SSY offers EEE (Exempt-Exempt-Exempt) tax status under the Income Tax Act, 2025. Contributions qualify for deduction under Section 80C (up to ₹1.5 lakh), the interest earned is tax-free, and the maturity amount is also tax-free.

gavel Legal Disclaimer

This calculator is for informational and educational purposes only. Investment returns are illustrative and based on assumed rates that may vary. Market-linked investments carry risk and past performance does not guarantee future returns. Interest rates on small savings schemes are reviewed quarterly by the Government of India. This tool should not be considered as financial advice. Consult a SEBI-registered financial advisor before making investment decisions.

verified Source: SEBI / Ministry of Finance, Govt. of India • Last updated: 2026-05-04

update Latest Updates & Regulatory Changes

UPDATED

trending_up Small Savings Rates Q1 2026-27

The Government of India reviews small savings scheme interest rates quarterly. PPF rate is 7.1%, Senior Citizens Savings Scheme is 8.2%, and Sukanya Samriddhi is 8.2% for Q1 FY 2026-27.

NEW

account_balance NPS Tier-I Tax Benefit Enhanced

Under the New Tax Regime, NPS employer contribution deduction under Section 80CCD(2) continues to be available. Under the Old Regime, additional ₹50,000 deduction under 80CCD(1B) is also available.

description Terms, Rules & Regulations

gavel

SEBI & RBI Regulations

Mutual fund investments are regulated by SEBI, and small savings schemes by the Ministry of Finance through RBI. Interest rates on government schemes are reviewed quarterly. Returns on market-linked instruments are not guaranteed and subject to market risks.

verified_user

Rate Assumptions

Investment calculators use assumed rates of return for illustration purposes. Actual returns on market-linked investments (mutual funds, equities) will vary. Small savings scheme rates are as per the latest quarterly notification by the Government of India.

policy

Tax on Investment Returns

Capital gains tax, dividend taxation, and interest income taxation rules apply as per the Income Tax Act, 2025. LTCG, STCG, and debt fund taxation rules have been updated. Consult a tax professional for personalized guidance on investment tax implications.

`;const printWindow = window.open('', '', 'width=900,height=1200'); printWindow.document.write(html); printWindow.document.close(); printWindow.focus(); setTimeout(function() { printWindow.print(); }, 500); }// PDF Export Function function ssyExportPDF() { const data = ssyLastCalculation; if (!data.yearlyData) { alert('Please calculate SSY returns first'); return; }// Use browser print-to-PDF ssyPrintComputation(); }// Excel Export Function function ssyExportExcel() { const data = ssyLastCalculation; if (!data.yearlyData) { alert('Please calculate SSY returns first'); return; }let csv = 'Year,Age,Deposit (₹),Interest (₹),Balance (₹)\n'; data.yearlyData.forEach(row => { csv += `${row.year},${row.age},${row.invested},${Math.round(row.interest)},${Math.round(row.balance)}\n`; });// Add summary csv += '\n\nSummary\n'; csv += `Total Investment,₹${Math.round(data.totalInvested).toLocaleString('en-IN')}\n`; csv += `Total Interest,₹${Math.round(data.interestEarned).toLocaleString('en-IN')}\n`; csv += `Maturity Amount,₹${Math.round(data.balance).toLocaleString('en-IN')}\n`;const blob = new Blob([csv], { type: 'text/csv' }); const url = window.URL.createObjectURL(blob); const a = document.createElement('a'); a.href = url; a.download = 'SSY_Calculation_' + new Date().toISOString().slice(0, 10) + '.csv'; document.body.appendChild(a); a.click(); document.body.removeChild(a); window.URL.revokeObjectURL(url); }// Close dropdowns on outside click document.addEventListener('click', function(e) { if (!e.target.closest('.custom-dropdown')) { document.querySelectorAll('.custom-dropdown').forEach(d => d.classList.remove('open')); document.querySelectorAll('.taxgst-form-group').forEach(fg => fg.style.zIndex = ''); } });document.addEventListener('DOMContentLoaded', function() { calculateSSY(); });
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