Sukanya Samriddhi Yojana Calculator
Estimate the maturity amount of a Sukanya Samriddhi Account from your yearly deposit and the notified interest rate, over the scheme's 15-year deposit period and 21-year term.
Researched by Mirza Seraj BaigFacts last checked against official sources on 13 September 2026₹250 minimum and ₹1,50,000 maximum per financial year.
Interest is worked out on the balance held between the 5th and the end of each month, so timing changes the result.
Currently 8.2% p.a., compounded annually. Revised every quarter by the Ministry of Finance.
Estimated maturity amount at 21 years
₹71,82,119
≈ 71.82 lakh
- Deposited
- 31%
- Interest
- 69%
- Total deposited (15 years)
- ₹22,50,000
- Interest earned
- ₹49,32,119
- Balance when deposits stop (year 15)
- ₹44,75,989
- Account matures
- 21 years after opening
This projection assumes the rate you entered stays constant for the full 21 years and that every deposit lands before the 5th of the month. The rate is revised every quarter, so the real maturity value will differ.
What is Sukanya Samriddhi Yojana?
Sukanya Samriddhi Yojana is a government-backed savings account in a girl child's name, opened before she turns 10. Deposits are made for 15 years from the date the account is opened, and the account matures 21 years after opening.
It currently earns 8.2% a year. Payments from the account, including the maturity amount, are exempt from income tax under Schedule II of the Income-tax Act, 2025. Deposits can also be deducted under section 123 (formerly section 80C), up to ₹1,50,000 a year together with other eligible investments, but only if you opt out of the new tax regime. A family can hold at most two accounts, with an exception for twins or triplets.
Who can open an account, which documents you need and where to apply: Sukanya Samriddhi Yojana guide.
How it stacks up against PPF, feature by feature: PPF vs Sukanya Samriddhi Yojana.
How is Sukanya Samriddhi calculated?
Deposits are made for 15 years from the date the account is opened, and the account matures 21 years after opening. Following the scheme rule, interest for each month is calculated at one-twelfth of the annual rate on the balance held between the 5th and the end of the month, and the year's interest is credited at the end of the financial year. The balance keeps earning through the six years between the last deposit and maturity.
Sukanya Samriddhi calculation example: ₹1.5 lakh a year
Deposit ₹1,50,000 every year before 5 April for the 15 deposit years, at 8.2%. You put in ₹22,50,000. When deposits stop in year 15 the balance is ₹44,75,989, and it keeps earning for six more years to mature at ₹71,82,119 in year 21.
That is ₹49,32,119 of tax-free interest, 3.2 times what you deposited. Paid as ₹12,500 a month instead, the account matures at ₹69,32,648.
8.2% is the rate notified for the Sukanya Samriddhi Account for 1 July to 30 September 2026. Rates are revised every quarter.
Sukanya Samriddhi maturity table, year by year
₹1,50,000 deposited before 5 April in each of the first 15 years at 8.2%. From year 16 there are no deposits, but interest keeps being credited until the account matures in year 21.
| Year | Deposit | Interest credited | Balance |
|---|---|---|---|
| 1 | ₹1,50,000 | ₹12,300 | ₹1,62,300 |
| 2 | ₹1,50,000 | ₹25,609 | ₹3,37,909 |
| 3 | ₹1,50,000 | ₹40,009 | ₹5,27,917 |
| 4 | ₹1,50,000 | ₹55,589 | ₹7,33,506 |
| 5 | ₹1,50,000 | ₹72,448 | ₹9,55,954 |
| 6 | ₹1,50,000 | ₹90,688 | ₹11,96,642 |
| 7 | ₹1,50,000 | ₹1,10,425 | ₹14,57,067 |
| 8 | ₹1,50,000 | ₹1,31,779 | ₹17,38,846 |
| 9 | ₹1,50,000 | ₹1,54,885 | ₹20,43,732 |
| 10 | ₹1,50,000 | ₹1,79,886 | ₹23,73,618 |
| 11 | ₹1,50,000 | ₹2,06,937 | ₹27,30,554 |
| 12 | ₹1,50,000 | ₹2,36,205 | ₹31,16,760 |
| 13 | ₹1,50,000 | ₹2,67,874 | ₹35,34,634 |
| 14 | ₹1,50,000 | ₹3,02,140 | ₹39,86,774 |
| 15 | ₹1,50,000 | ₹3,39,215 | ₹44,75,989 |
| 16 | ₹0 | ₹3,67,031 | ₹48,43,020 |
| 17 | ₹0 | ₹3,97,128 | ₹52,40,148 |
| 18 | ₹0 | ₹4,29,692 | ₹56,69,840 |
| 19 | ₹0 | ₹4,64,927 | ₹61,34,767 |
| 20 | ₹0 | ₹5,03,051 | ₹66,37,818 |
| 21 | ₹0 | ₹5,44,301 | ₹71,82,119 |
Frequently asked questions
How long do I deposit into a Sukanya Samriddhi account?
Deposits are made for 15 years from the date the account is opened. The account itself matures 21 years after opening, and the balance keeps earning interest in the intervening years.
What interest rate does this calculator use?
You enter the rate yourself. The scheme pays 8.2% a year, compounded annually, for 1 July to 30 September 2026, unchanged since 1 January 2024. Small savings rates are revised quarterly by the Ministry of Finance, so check the current quarter before relying on a projection.
Is the Sukanya Samriddhi maturity amount taxable?
No. Payments from a Sukanya Samriddhi account, including the maturity amount, are exempt from income tax under Schedule II of the Income-tax Act, 2025. Deposits can also be deducted under section 123 (formerly section 80C), up to ₹1,50,000 a year together with other eligible investments, but only if you opt out of the new tax regime.
Is this projection guaranteed?
No. It assumes the rate you enter stays constant for the whole term. The actual rate is revised every quarter, so the real maturity value will differ.
Why do other Sukanya Samriddhi calculators show a different maturity amount?
For ₹1,50,000 a year at 8.2%, a lump sum deposited each April before the 5th matures at roughly ₹71.8 lakh, while ₹12,500 deposited every month matures at roughly ₹69.3 lakh, because monthly deposits earn interest for fewer months of each year. Many calculators quietly assume one or the other. Pick how you actually deposit and the figure will match your passbook far more closely.
How much will ₹1,000 a month in Sukanya Samriddhi become?
At 8.2%, ₹1,000 deposited before the 5th of every month for 15 years — ₹1,80,000 in all — grows to about ₹5,54,612 when the account matures 21 years after opening.
What is the Sukanya Samriddhi maturity amount for ₹50,000 a year?
At 8.2%, ₹50,000 deposited before 5 April every year for 15 years (₹7,50,000) matures at about ₹23,94,040.
Does the account mature when my daughter turns 21?
No. It matures 21 years after the account is opened, not at a particular age. An account opened when she is 4 matures when she is 25.