Sukanya Samriddhi Yojana (SSY) Calculator
Maturity value of a Sukanya Samriddhi account
Total deposits₹15,00,000
Interest earned₹32,88,079
Total value₹47,88,079
The account matures 21 years after opening, when she will be 23. Deposits are made for the first 15 years.
Growth over time
Year-wise breakdown
| Year | Total deposits | Interest earned | Total |
|---|
| 1 | ₹1,00,000 | ₹8,200 | ₹1,08,200 |
| 2 | ₹2,00,000 | ₹25,272 | ₹2,25,272 |
| 3 | ₹3,00,000 | ₹51,945 | ₹3,51,945 |
| 4 | ₹4,00,000 | ₹89,004 | ₹4,89,004 |
| 5 | ₹5,00,000 | ₹1,37,303 | ₹6,37,303 |
| 6 | ₹6,00,000 | ₹1,97,761 | ₹7,97,761 |
| 7 | ₹7,00,000 | ₹2,71,378 | ₹9,71,378 |
| 8 | ₹8,00,000 | ₹3,59,231 | ₹11,59,231 |
| 9 | ₹9,00,000 | ₹4,62,488 | ₹13,62,488 |
| 10 | ₹10,00,000 | ₹5,82,412 | ₹15,82,412 |
| 11 | ₹11,00,000 | ₹7,20,369 | ₹18,20,369 |
| 12 | ₹12,00,000 | ₹8,77,840 | ₹20,77,840 |
| 13 | ₹13,00,000 | ₹10,56,423 | ₹23,56,423 |
| 14 | ₹14,00,000 | ₹12,57,849 | ₹26,57,849 |
| 15 | ₹15,00,000 | ₹14,83,993 | ₹29,83,993 |
| 16 | ₹15,00,000 | ₹17,28,680 | ₹32,28,680 |
| 17 | ₹15,00,000 | ₹19,93,432 | ₹34,93,432 |
| 18 | ₹15,00,000 | ₹22,79,894 | ₹37,79,894 |
| 19 | ₹15,00,000 | ₹25,89,845 | ₹40,89,845 |
| 20 | ₹15,00,000 | ₹29,25,212 | ₹44,25,212 |
| 21 | ₹15,00,000 | ₹32,88,079 | ₹47,88,079 |
Results are estimates for illustration only and not financial advice. Actual returns vary.
About the Sukanya Samriddhi Yojana (SSY) Calculator
Sukanya Samriddhi Yojana (SSY) is a government savings scheme for a girl child. You can deposit for 15 years and the account matures 21 years after opening. The interest rate is set by the government every quarter.
Enter your yearly deposit, the interest rate and the girl's age to see the estimated maturity amount.
Formula used
Each year: balance = (balance + deposit) × (1 + rate) for the first 15 years, then balance × (1 + rate) until year 21.
Frequently asked questions
What is the maximum yearly deposit?
₹1.5 lakh per financial year. The minimum is ₹250.
Who can open an account?
A parent or guardian can open it for a girl child, generally up to age 10.
Why is my passbook different?
The scheme calculates interest on monthly balances and the rate changes, so actual figures can differ.
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