Sukanya Samriddhi calculator
India: uses Indian rules and rupees
Yearly deposits for 15 years, maturity at 21 years. See the maturity value, and what’s available when she turns 18.
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₹
%
years
Maturity value (21 years)—
- Total deposited (15 years)
- —
- Interest earned
- —
- Balance when she turns 18
- —
- Up to 50% can be withdrawn then
- —
Year-by-year
| Year | Her age | Deposit | Interest | Balance |
|---|
How to use the sukanya samriddhi calculator
Rules used: deposits of ₹250 to ₹1.5 lakh a financial year for 15 years from opening; the account matures 21 years from opening; interest is compounded yearly. The rate for October to December 2026 is 8.2%. The government reviews it every quarter, so the calculation assumes it stays the same. Deposits are assumed to be made by 5 April each year so they earn interest for the whole year.
- Enter how much you’ll deposit each year (₹250 to ₹1.5 lakh).
- Keep the current 8.2% or try another rate.
- Enter her age when you open the account.
- Read the maturity value and the balance at 18.
Sources
- Angel One: small savings rates for October–December 2026
- Outlook Money: small savings rates unchanged, PPF 7.10%, NSC 7.70%
- SBI: Sukanya Samriddhi Account rules
Sources checked on 9 October 2026. Formulas and thresholds are used as published; the wording on this page is our own.
Questions
When can money be withdrawn?
Up to 50% of the balance at the end of the previous financial year can be withdrawn for her education or marriage after she turns 18.
Why does the balance keep growing after year 15?
Deposits stop after 15 years, but the balance keeps earning interest until the account matures at 21 years.
Is SSY taxed?
Tax treatment is set by the Income Tax Act and can change, so check the current rules for your tax year with the post office, your bank or a tax adviser.
Why are there sliders under every box?
So you can see cause and effect. Drag the rate, time or amount and the result, chart and comparison update as you move. Type in the box when you need an exact figure.