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 7 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
- 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.
How this is 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.
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 currently pays 8.2% per year compounded annually, but small savings rates are revised quarterly by the Ministry of Finance — check the current quarter before relying on a projection.
Is the Sukanya Samriddhi maturity amount taxable?
No. Deposits qualify for deduction under Section 80C, and both the interest and the maturity amount are exempt from income tax.
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.
Related schemes
More calculators
PPF Calculator
Project the maturity value of a Public Provident Fund account from your yearly deposit, the notified interest rate and the number of years you stay invested.
Compound Interest Calculator
Work out what a lump sum grows to with compound interest, and see how much more it earns than simple interest.