Sukanya Samriddhi Yojana Calculator

Sukanya Samriddhi Yojana has a slightly unusual structure worth understanding: you only need to deposit for the first 15 years after opening the account, but the account itself doesn't mature until 21 years from opening. For those final 6 years, your existing balance keeps earning interest without needing further contributions — this calculator's default 21-year tenure reflects that full growth period, even though real deposits typically stop after year 15.

Because SSY currently offers a higher rate than PPF (8.2% vs. 7.1%) with the same EEE tax treatment, it's often the stronger choice specifically for a girl child's long-term savings — though the trade-off is that it's restricted to that specific purpose and eligibility (a girl child under 10 at account opening), unlike PPF which anyone can open for themselves.

Contributing ₹1,50,000 every year for 15 years at the current 8.2% rate, then letting the balance continue growing untouched until the account matures 21 years after opening, produces a projected maturity value well over ₹75,00,000 — with total contributions of ₹22,50,000 and the rest entirely tax-free compounded interest.

Because SSY keeps compounding for 6 more years after the 15-year deposit window closes, a meaningful share of the final maturity value comes purely from that extra growth period — which is exactly why the account's full 21-year timeline, not just the 15-year contribution window, is worth understanding when estimating what it'll actually be worth at maturity.