Post Office Sukanya Samriddhi (SSY) Calculator

Calculate returns for Sukanya Samriddhi Yojana. Secure your daughter's future with high interest rates and full tax exemption.

Calculate SSY Maturity

Enter Investment Details

Selected Scheme

Girl Child's Age (0–10 Years)

Yearly Investment (₹)You deposit for 15 years only.

Current Interest Rate

About Sukanya Samriddhi Yojana (SSY)

SSY is a government-backed savings scheme for the girl child launched under the Beti Bachao Beti Padhaocampaign. It offers one of the highest interest rates among small savings schemes along with full tax exemption, making it an ideal long-term investment for a daughter's education and marriage.

Eligibility & Key Rules

Eligibility	Girl child below 10 years of age
Max Accounts per Family	2 (one per girl child)
Minimum Deposit	₹250 per year
Maximum Deposit	₹1,50,000 per year
Interest Rate	8.2% p.a. (subject to quarterly revision)
Deposit Period	15 years from account opening
Account Maturity	21 years from account opening

Tax Benefits (EEE)

SSY enjoys EEE (Exempt-Exempt-Exempt) tax status under Section 80C of the Income Tax Act:

Investment: Deduction up to ₹1.5 Lakh per year under Sec 80C.
Interest: Fully tax-free as it accrues.
Maturity: The entire maturity amount is tax-free.

Key Features

Partial Withdrawal: Up to 50% allowed after the girl turns 18 for education.
Premature Closure: Allowed on marriage after age 18, or on medical grounds.
Account Transfer: Can be transferred to any post office or bank in India.
Compounding: Interest is compounded annually, boosting long-term returns.

Example Calculation (₹10,000/year at 8.2%)

Annual Deposit	₹10,000
Total Invested (15 yrs)	₹1,50,000
Maturity Value (21 yrs)	≈ ₹4,74,000
Total Interest Earned	≈ ₹3,24,000

* Calculations are based on the current interest rate of 8.2% p.a. compounded annually. Actual returns may vary as the government revises the rate quarterly.