Sukanya Samriddhi Yojana Calculator Indian citizens can now conveniently use the Sukanya Samriddhi Yojana Calculator 2025 online to estimate the maturity value of their investments under this popular savings scheme. Parents who have opened a Sukanya Samriddhi Account for their girl child can simply visit the official portal and calculate the expected returns with ease. The Sukanya Samriddhi Yojana is a government-backed savings scheme specifically designed for the welfare of girl children in India. It offers one of the highest interest rates among small savings schemes, making it a smart choice for long-term financial planning.
Only parents or legal guardians of a girl child below the age of 10 years are eligible to open an account under this scheme. The calculator helps account holders plan better by providing a clear projection of the maturity amount based on their deposits. For parents looking to secure their daughter’s education and future, this scheme offers a reliable and tax-saving investment path with guaranteed returns.
Sukanya Samriddhi Yojana Calculator 2025: A Smart Saving Scheme Under Beti Bachao, Beti Padhao
Introduced in 2015 by the Government of India as part of the “Beti Bachao, Beti Padhao” campaign, the Sukanya Samriddhi Yojana encourages parents to start saving early for their daughter’s future. The scheme aims to build a financial cushion for a girl child’s education and marriage. One of the biggest advantages of the scheme is its affordability—parents can open an account with as little as ₹250, making it accessible even to low-income families across India.
The maturity period of the Sukanya Samriddhi Account is 21 years from the date of opening, or at the time of the girl’s marriage after the age of 18, whichever is earlier. This long-term saving option not only promotes financial discipline but also ensures a secure future for the girl child. By offering higher interest rates and tax benefits, the scheme continues to be one of the most reliable small savings schemes for Indian families.
Key Highlights of Sukanya Sukanya Samriddhi Yojana Calculator 2025
| Key Highlights | Details |
| Name of the Scheme | Sukanya Samriddhi Yojana Calculator |
| Launched By | Government of India |
| Launch Date | 2015 |
| Announced By | Prime Minister of India |
| Purpose | To promote the habit of saving among citizens |
| Beneficiaries | Citizens of India |
| Target Beneficiaries | Parents or guardians of a girl child |
| Advantage | Helps in building a secure financial future for girl child |
| Eligibility Criteria | Girl child below 10 years; parents/legal guardians eligible |
| Required Documents | Aadhaar Card, Bank Account details |
| Application Process | Online |
| Official Website | [Insert Official Website Link] |
| Financial Commitment | Minimum ₹250 and up to ₹1.5 lakh per year |
| Expected Benefits | High interest rate (Better than regular savings accounts) |
| Contact Number | 1800 266 6868 |
Key Benefits of Sukanya Samriddhi Yojana Calculator 2025: Why Every Parent Should Consider It
Attractive Interest Rate
- This scheme offers one of the highest interest rates among small savings plans, far better than regular savings accounts. It ensures that your investment grows steadily over time.
Build a Future Fund
- Parents can accumulate a significant corpus through regular contributions, which can later be used for their daughter’s higher education or marriage once she turns 18.
100% Tax-Free Returns
- All earnings under the Sukanya Samriddhi Yojana, including the maturity amount and interest, are exempted from tax under Section 80C—making it a triple tax benefit scheme.
Flexible & Affordable Saving
- With a minimum deposit of just ₹250, the scheme is designed to be budget-friendly, allowing even economically weaker families to invest and secure their daughter’s future.
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Sukanya Samriddhi Yojana Calculator Interest Rates (2014–2025)
| Financial Year | Date Range | Interest Rate |
| 2014–15 | 1 April 2014 to 31 March 2015 | 9.1% |
| 2015–16 | 1 April 2015 to 31 March 2016 | 9.2% |
| 2016–17 | 1 April 2016 to 30 September 2016 | 8.6% |
| 2016–17 | 1 October 2016 to 31 March 2017 | 8.5% |
| 2017–18 | 1 April 2017 to 30 June 2017 | 8.4% |
| 2017–18 | 1 July 2017 to 31 December 2017 | 8.3% |
| 2017–18 | 1 January 2018 to 31 March 2018 | 8.1% |
| 2018–19 | 1 April 2018 to 30 September 2018 | 8.1% |
| 2018–19 | 1 October 2018 to 31 March 2019 | 8.5% |
| 2019–20 | 1 April 2019 to 30 June 2019 | 8.5% |
| 2019–20 | 1 July 2019 to 31 March 2020 | 8.4% |
| 2020–21 | 1 April 2020 to 31 March 2021 | 7.6% |
| 2021–22 | 1 April 2021 to 31 March 2022 | 7.6% |
| 2022–23 | 1 April 2022 to 31 March 2023 | 7.6% |
| 2023–24 | 1 April 2023 to 31 December 2023 | 8.0% |
| 2023–24 | 1 January 2024 to 31 March 2024 | 8.2% |
| 2024–25 | 1 April 2024 to 30 June 2024 | 8.2% |
SSY Interest Rate Calculation Formula
The formula to calculate the Sukanya Samriddhi interest is A = P(1+r/n)^nt where-
- P = Initial Deposit
- r = Rate of interest
- n = Number of years the interest compounds
- t = Number of years
- A = Amount at maturity
What are the Minimum and Maximum Amounts?
- The minimum amount to deposit under the Sukanya Samriddhi Yojana is INR 250.
- The maximum amount to deposit under the Sukanya Samriddhi Yojana is INR 1.5 lakh.
What is the Maturity Period?
The maturity period of Sukanya Samriddhi’s savings account is 21 years or when the girl child gets married after achieving the age of 18.
Also Read: PMKVY 4.0 Courses List
Sukanya Samriddhi Yojana Calculator – Result Summary
| Input Details | Values |
| Yearly Investment | ₹10,000 |
| Girl’s Age | 5 years |
| Start Period | 2021 |
Calculation Result
| Output | Amount |
| Total Investment | ₹1,50,000.00 |
| Total Interest Earned | ₹3,22,868.03 |
| Maturity Year | 2037 |
| Maturity Value | ₹4,72,868.03 |
How to Open a Sukanya Samriddhi Yojana Calculator Account: Step-by-Step Process
Step 1: First, eligible parents should visit their nearest post office or bank branch to start the process of opening a Sukanya Samriddhi Yojana (SSY) account.
Step 2: Upon arrival, meet the authorized official and request the application form for the Sukanya Samriddhi Yojana. The official will assist you with the necessary details to fill out the form correctly.
Step 3: Carefully fill in the application form, making sure to attach all required documents such as the birth certificate of the girl child, Aadhaar card, and any other supporting papers.
Step 4: After completing the form, submit it along with the initial deposit, which can range from ₹250 up to ₹1.5 lakh, depending on your convenience.
Step 5: Once your application is successfully submitted, you will receive a transaction password. This password helps you monitor and manage all your account transactions both online and offline.
By following these easy steps, you can secure a strong financial future for your daughter through the Sukanya Samriddhi Yojana.
Sukanya Samriddhi Yojana Calculator Withdrawal Policy Explained
Education Withdrawal:
- When the girl child completes her 10th grade, parents can withdraw up to 50% of the account’s maturity amount to fund her higher education expenses.
Marriage Withdrawal:
- After the girl reaches 18 years of age, if her parents choose to marry her, they are allowed to withdraw up to 50% of the maturity amount to cover marriage-related costs.
Premature Closure in Emergencies:
- In case of serious medical emergencies involving the girl child or the unfortunate death of a guardian, the account holder may apply for early closure of the Sukanya Samriddhi account.
Required Documents for Withdrawal:
- Before any withdrawal, parents must submit valid documentary evidence such as the girl’s 10th-grade passing certificate for education withdrawals or a marriage certificate for withdrawals related to marriage expenses.
Frequently Asked Questions (FAQs) about Sukanya Samriddhi Yojana Calculator
Who can open a Sukanya Samriddhi Yojana Calculator account?
Parents or legal guardians of a girl child below the age of 10 years are eligible to open an SSY account and enjoy the scheme’s benefits.
What is the current interest rate offered under Sukanya Samriddhi Yojana Calculator?
As of now, the Sukanya Samriddhi Yojana offers an attractive interest rate of 8.2% per annum, compounded annually.
How is the maturity amount of Sukanya Samriddhi Yojana calculated?
The maturity amount can be calculated using the formula: A = P (1 + r/n) ^ (nt),