💎 SSY Calculator - Rs. 8,333/month
Sukanya Samriddhi Yojana maturity at 8.2% - For: Annual lump-sum investors
Maturity amount (21 years)
Rs. 47.88 lakh
Wealth gain: +219%
Total deposited (15 yrs)
Rs. 15.00 lakh
Rs. 1.00 lakh/year x 15
Tax-free interest earned
Rs. 32.88 lakh
100% tax free (EEE)
| Girl opened at age | Deposit ends | Account matures | Maturity corpus |
|---|---|---|---|
| At birth | At age 15 | At age 21 | Rs. 47.88 lakh |
| Age 3 | At age 18 | At age 24 | Rs. 47.88 lakh |
| Age 5 | At age 20 | At age 26 | Rs. 47.88 lakh |
| Age 8 | At age 23 | At age 29 | Rs. 47.88 lakh |
| Age 10 | At age 25 | At age 31 | Rs. 47.88 lakh |
Corpus is same regardless of opening age (21-year maturity always applies from date of opening)
Customize - adjust deposit, rate, or girl's age
≈ ₹8,333/month
Account matures when she turns 26
Maturity Amount (2047)
₹47.88 L
Wealth gain: +219.2%
Total deposited (15 yrs)
₹15.00 L
₹1.00 L/year
Total interest earned
₹32.88 L
100% tax free (EEE)
Year-by-year growth
| Year | Girl age | Deposited | Interest | Balance |
|---|---|---|---|---|
| 2026 | 6 yrs | ₹1.00 L | ₹8,200 | ₹1.08 L |
| 2027 | 7 yrs | ₹1.00 L | ₹17,072 | ₹2.25 L |
| 2028 | 8 yrs | ₹1.00 L | ₹26,672 | ₹3.52 L |
| 2029 | 9 yrs | ₹1.00 L | ₹37,059 | ₹4.89 L |
| 2030 | 10 yrs | ₹1.00 L | ₹48,298 | ₹6.37 L |
| 2031 | 11 yrs | ₹1.00 L | ₹60,459 | ₹7.98 L |
| 2032 | 12 yrs | ₹1.00 L | ₹73,616 | ₹9.71 L |
| 2033 | 13 yrs | ₹1.00 L | ₹87,853 | ₹11.59 L |
SSY key rules
Interest rate is reviewed quarterly by the Ministry of Finance and can change. Calculations assume the current rate stays constant throughout. Actual returns depend on future rate revisions. Consult your nearest post office or authorized bank for account details.
FAQs - SSY Rs. 1 lakh/year
What is the maturity amount for SSY with Rs. 8,333/month deposit?▾
Depositing Rs. 8,333/month (Rs. 1.00 lakh/year) in Sukanya Samriddhi Yojana for 15 years at 8.2% interest rate gives a maturity corpus of Rs. 47.88 lakh at the end of 21 years. Total deposited: Rs. 15.00 lakh. Total interest earned: Rs. 32.88 lakh (fully tax free under EEE status). Wealth gain: 219%.
Is SSY interest really tax free?▾
Yes. SSY has EEE (Exempt-Exempt-Exempt) tax status: (1) Your annual deposits up to Rs. 1.5 lakh are deductible under Section 80C, (2) Interest earned each year is completely tax free (not added to income), (3) The maturity corpus is entirely tax free when withdrawn. This triple tax benefit makes SSY one of the most tax-efficient instruments in India.
Can I deposit more than the minimum to SSY?▾
Yes. The minimum annual SSY deposit is Rs. 250. The maximum is Rs. 1,50,000/year. You are currently calculating for Rs. 8,333/month (Rs. 1.00 lakh/year). You can increase to up to Rs. 1.5 lakh/year to maximize your corpus to Rs. 71.82 lakh.