👧 Sukanya Samriddhi Calculator
Sukanya Samriddhi Yojana is the highest-yielding small-savings scheme — currently 8.2% (July–September 2026), fully tax-free. Open for a girl child under 10; deposit ₹250 to ₹1.5 lakh a year for 15 years; the account matures 21 years from opening.
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How it's calculated
Years 1–15: balance = (balance + annual deposit) × (1 + 8.2%). Years 16–21: balance × (1 + 8.2%) with no fresh deposits. Rate reviewed quarterly by the government.
Frequently asked questions
What is the current SSY interest rate?
8.2% per annum for July–September 2026, the joint-highest small-savings rate (with SCSS), unchanged for nine quarters. SSY is EEE — deposit, interest and maturity are all tax-free.
When can money be withdrawn?
Up to 50% of the balance after the girl turns 18 (for education), and full maturity 21 years after opening. The account can also be closed at marriage after 18.
