Sukanya Samriddhi Yojana Calculator
Estimate Sukanya Samriddhi Account maturity over 21 years, with deposits for 15 years, adjustable rates and annual or monthly contribution timing.
మీ ఫలితాన్ని లెక్కించండి
మీ సంఖ్యలు నమోదు చేయండి. మార్చినప్పుడు అంచనా, చార్ట్‌లు నవీకరించబడతాయి.
సుకన్య సమృద్ధి యోజన
నెలవారీ అర్హ నిల్వలపై వడ్డీ లెక్కించి ఏటా జమ చేస్తారు. ఈ అంచనా పూర్తి ఆర్థిక సంవత్సరాలు, ఎంచుకున్న స్థిర రేటును పరిగణిస్తుంది.
కాలం స్థిరం: డిపాజిట్లు 15 సంవత్సరాలు నడుస్తాయి, ఖాతా ప్రారంభం నుండి 21 సంవత్సరాలలో మెచ్యూర్ అవుతుంది.
డిఫాల్ట్ రేట్లు జూలై–సెప్టెంబర్ 2026 కోసం మాత్రమే ధృవీకరించబడ్డాయి. అక్టోబర్–డిసెంబర్ 2026 రేట్లు ధృవీకరించబడలేదు; ఖాతా తెరిచే తేదీన వర్తించే రేటును నిర్ధారించుకోండి. భవిష్యత్ రేట్లు మారవచ్చు.
- మెచ్యూరిటీ (సంవత్సరం 21)
- ₹71,82,127
- ₹71.82L
- మొత్తం డిపాజిట్
- ₹22,50,000
- ఆర్జించిన వడ్డీ
- ₹49,32,127
మీ లెక్కలు ఏమి చెబుతున్నాయి
Every ₹1 you deposit grows to about ₹3.19 by maturity.
You deposit ₹22.5L over 15 years and the account pays out ₹71.82L after 21 years.
₹27.06L is added in the last 6 years with no new deposits.
Deposits stop after 15 years, but interest keeps compounding until the account matures at 21 years.
In today's money, the maturity amount is worth about ₹21.13L.
We assume 6% yearly inflation over 21 years, which helps when planning for education or marriage costs.
21 సంవత్సరాలలో SSY బ్యాలెన్స్ వృద్ధి
అంచనా విలువ, పెట్టుబడి మొత్తం పోలిక. మొత్తాలు రూపాయల్లో.
చార్ట్ డేటా చూడండి
| సంవత్సరం | పెట్టుబడి మొత్తం | అంచనా విలువ |
|---|---|---|
| 0 | — | ₹0 |
| 1 | ₹1,50,000 | ₹1,62,300 |
| 2 | ₹3,00,000 | ₹3,37,909 |
| 3 | ₹4,50,000 | ₹5,27,918 |
| 4 | ₹6,00,000 | ₹7,33,507 |
| 5 | ₹7,50,000 | ₹9,55,955 |
| 6 | ₹9,00,000 | ₹11,96,643 |
| 7 | ₹10,50,000 | ₹14,57,068 |
| 8 | ₹12,00,000 | ₹17,38,848 |
| 9 | ₹13,50,000 | ₹20,43,734 |
| 10 | ₹15,00,000 | ₹23,73,620 |
| 11 | ₹16,50,000 | ₹27,30,557 |
| 12 | ₹18,00,000 | ₹31,16,763 |
| 13 | ₹19,50,000 | ₹35,34,638 |
| 14 | ₹21,00,000 | ₹39,86,778 |
| 15 | ₹22,50,000 | ₹44,75,994 |
| 16 | ₹22,50,000 | ₹48,43,026 |
| 17 | ₹22,50,000 | ₹52,40,154 |
| 18 | ₹22,50,000 | ₹56,69,847 |
| 19 | ₹22,50,000 | ₹61,34,774 |
| 20 | ₹22,50,000 | ₹66,37,825 |
| 21 | ₹22,50,000 | ₹71,82,127 |
మీ లెక్కను అర్థం చేసుకోండి
Sukanya Samriddhi Account is a government savings scheme for a girl below ten at opening. Deposits of ₹250–₹1,50,000 per financial year can be made for fifteen years; maturity is twenty-one years from opening. The default 8.2 percent rate is verified for July–September 2026 only. Choose deposit timing to model monthly qualifying balances; interest and maturity are tax exempt.
Sukanya Samriddhi Yojana Calculator ను ఎలా ఉపయోగించాలి
- 1
Enter the annual deposit
Anywhere from ₹250 (the statutory minimum) to ₹1,50,000 (the cap) per financial year. Many parents contribute the full ₹1,50,000 in April so the year's interest is maximised.
- 2
Set the deposit and maturity tenure
Deposits are made for fifteen years. The account matures twenty one years from opening. The calculator handles both phases automatically.
- 3
Adjust the interest rate if needed
8.2 percent is verified for July–September 2026 only. Confirm the latest quarterly notification before investing. A new account's first and last financial years may be partial; this complete-year projection does not reproduce those date-specific accruals.
- 4
Read the maturity
The maturity value is the balance at year twenty one. It is paid out to the girl child or her guardian and is fully tax free.
ఉదాహరణ
₹1,50,000 a year into SSY at 8.2%
Paying the full ₹1,50,000 by 5 April, year one earns `round(1,50,000 × 0.082)` = ₹12,300. Deposits continue for fifteen years, totalling ₹22,50,000, and the balance after year fifteen is ₹44,75,994. For years sixteen to twenty-one there are no deposits, but interest keeps compounding on the whole balance, so it reaches ₹71,82,127 at maturity. Equal monthly deposits by the fifth give ₹69,32,648; late-March deposits give ₹66,37,825.
- Annual deposit
- ₹1,50,000 for 15 years
- Rate
- 8.2%, held constant for 21 years
- Total deposited
- ₹22,50,000
- Balance after year 15
- ₹44,75,994
- Interest earned
- ₹49,32,127
- Maturity at year 21 (deposit by 5 April)
- ₹71,82,127
- Maturity (monthly by the fifth)
- ₹69,32,648
Over a third of the final corpus is built in the last six years, when you aren't depositing anything. At ₹50,000 a year the same method projects ₹23,94,036; at ₹1,00,000 it's ₹47,88,077.
ఇది ఎలా లెక్కించబడుతుంది
SSY uses the same yearly loop as the PPF calculator, run for 21 years with deposits only in years one to fifteen. Each year: interest = round((opening balance + deposit × f) × r) and closing balance = opening balance + deposit + interest, where r is the annual rate ÷ 100. Interest is rounded to the rupee and compounds annually.
f depends on deposit timing: 1 for a lump sum by 5 April, 6.5 ÷ 12 for twelve equal instalments by the fifth of each month, and 0 for a late-March deposit that only starts earning from the next April. From year sixteen the deposit is zero, so the formula reduces to interest = round(balance × r).
The real scheme calculates interest on the lowest balance between the close of the 5th and month-end and credits it once a year; for other deposit dates, check the passbook figures. The model also assumes the rate never changes, no partial withdrawal for education, and complete financial years from opening.
తరచుగా అడిగే ప్రశ్నలు
Who can open an SSY account?
A parent or legal guardian, in the name of a girl child below the age of ten at the time of opening. Up to two SSY accounts are allowed per family, one per girl, with an exception for twins or triplets. The account can be opened at any post office or authorised bank branch.
What is the current SSY interest rate?
The rate verified here is 8.2 percent for July–September 2026. October–December 2026 has not been verified. Interest uses the lowest balance between the close of the fifth day and month-end and is credited annually, rounded to the nearest rupee.
Is SSY tax free?
Yes. SSY carries EEE status. The annual deposit qualifies for Section 80C deduction up to ₹1,50,000 under the old regime, the interest accrued each year is tax free, and the maturity amount is tax free in the hands of the girl child. New regime taxpayers do not get the 80C deduction but interest and maturity remain tax free.
When can I withdraw from an SSY account?
Up to fifty percent of the previous financial year's balance may be withdrawn for education after age eighteen or passing tenth standard, whichever is earlier, subject to documentary proof. Marriage after age eighteen can permit account closure under the scheme's prescribed timing and conditions; it is not the education partial-withdrawal rule.
What is the deposit period and maturity period?
Deposits are made for the first fifteen years from opening. After that, no further deposits are required, but the existing balance continues to earn interest until the account matures at twenty one years from opening.
SSY versus PPF, which is better?
Both are EEE and sovereign backed. SSY currently pays a higher rate (8.2 percent versus 7.1 percent for PPF) and runs for twenty one years versus PPF's fifteen, but SSY is restricted to a girl child below ten. Many families use SSY for the girl child's long term goal and PPF as a parallel debt anchor for everyone else.
What happens if I miss a year's deposit?
The account becomes inactive but can be revived by paying a penalty of ₹50 per year of default along with the minimum deposit of ₹250 for each defaulted year. The account does not lose its tax status as long as it is revived.