Sukanya Samriddhi Yojana (SSY) Calculator — Girl Child Savings
Calculate 21-year maturity amount and interest earned under Sukanya Samriddhi Yojana. Verified 8.2% annual compound interest and 100% tax-free (EEE) status.
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Interactive InputsMaximum ₹1,50,000 per financial year qualifies for Sec 80C exemption
SSY account can be opened anytime from birth up to 10 years of age
Default uses latest government rate (8.2% p.a.)
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Rate verified from Department of Economic Affairs (Ministry of Finance) quarterly small savings notification.
* Note: Small savings interest rates are reviewed quarterly by the Government of India. Calculations assume the currently verified rate across the tenure unless customized below.
Complete 21-Year SSY Account Growth Schedule
Deposits accepted for 15 years; balance continues to compound through Year 21.
| Year | Girl's Age | Deposit Made | Interest Earned | Closing Balance | Status |
|---|---|---|---|---|---|
| Year 1 | 2 Yrs | ₹1,50,000 | ₹12,300 | ₹1,62,300 | Active Deposit |
| Year 2 | 3 Yrs | ₹1,50,000 | ₹25,609 | ₹3,37,909 | Active Deposit |
| Year 3 | 4 Yrs | ₹1,50,000 | ₹40,009 | ₹5,27,918 | Active Deposit |
| Year 4 | 5 Yrs | ₹1,50,000 | ₹55,589 | ₹7,33,507 | Active Deposit |
| Year 5 | 6 Yrs | ₹1,50,000 | ₹72,448 | ₹9,55,955 | Active Deposit |
| Year 6 | 7 Yrs | ₹1,50,000 | ₹90,688 | ₹11,96,643 | Active Deposit |
| Year 7 | 8 Yrs | ₹1,50,000 | ₹1,10,425 | ₹14,57,068 | Active Deposit |
| Year 8 | 9 Yrs | ₹1,50,000 | ₹1,31,780 | ₹17,38,848 | Active Deposit |
| Year 9 | 10 Yrs | ₹1,50,000 | ₹1,54,886 | ₹20,43,734 | Active Deposit |
| Year 10 | 11 Yrs | ₹1,50,000 | ₹1,79,886 | ₹23,73,620 | Active Deposit |
| Year 11 | 12 Yrs | ₹1,50,000 | ₹2,06,937 | ₹27,30,557 | Active Deposit |
| Year 12 | 13 Yrs | ₹1,50,000 | ₹2,36,206 | ₹31,16,763 | Active Deposit |
| Year 13 | 14 Yrs | ₹1,50,000 | ₹2,67,875 | ₹35,34,638 | Active Deposit |
| Year 14 | 15 Yrs | ₹1,50,000 | ₹3,02,140 | ₹39,86,778 | Active Deposit |
| Year 15 | 16 Yrs | ₹1,50,000 | ₹3,39,216 | ₹44,75,994 | Active Deposit |
| Year 16 | 17 Yrs | No Deposit | ₹3,67,032 | ₹48,43,026 | Interest Only |
| Year 17 | 18 Yrs | No Deposit | ₹3,97,128 | ₹52,40,154 | Interest Only |
| Year 18 | 19 Yrs | No Deposit | ₹4,29,693 | ₹56,69,847 | Interest Only |
| Year 19 | 20 Yrs | No Deposit | ₹4,64,927 | ₹61,34,774 | Interest Only |
| Year 20 | 21 Yrs | No Deposit | ₹5,03,051 | ₹66,37,825 | Interest Only |
| Year 21 | 22 Yrs | No Deposit | ₹5,44,302 | ₹71,82,127 | Interest Only |
How This Calculation Works (Mathematical Formula)
Quarterly rate notified by Department of Economic Affairs (DEA). Deposits accepted for 15 years; balance earns compound interest until 21 years maturity.
Frequently Asked Questions
The interest rate is notified quarterly by the Ministry of Finance / Department of Economic Affairs. It is currently 8.20% per annum, compounded annually.
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