Sukanya Samriddhi Yojana Calculator
Girl Child Education Savings - 8.2% Interest | 80C Tax Benefits
Total Invested
Interest Earned
Maturity Amount
👧 Sukanya Samriddhi Yojana Calculator (FY 2026-27)
Calculate Sukanya Samriddhi Yojana (SSY) maturity amount for your girl child's education with 8.2% interest rate for FY 2026-27. SSY offers highest post office interest rate with Section 80C tax benefits up to ₹1.5 lakh.
💡 What is Sukanya Samriddhi Yojana?
Sukanya Samriddhi Yojana (SSY) is a government savings scheme for girl children under Beti Bachao Beti Padhao campaign. Parents can invest from girl's birth till age 10, with account maturing at 21 years.
🧮 SSY Calculation Formula
Maturity = Annual Deposit × [((1+r)^n - 1) / r] × (1+r)
- r = Annual interest rate (8.2% = 0.082)
- n = Years of deposit (max 15 years)
- Interest compounds annually till girl turns 21
📈 SSY Interest Rate (FY 2026-27)
Current SSY interest rate: 8.2% per annum (compounded annually). This is the highest among all post office schemes.
📌 SSY Key Features
- ✔ Minimum Deposit: ₹250 per year
- ✔ Maximum Deposit: ₹1.5 lakh per year
- ✔ Deposit Period: 15 years from account opening
- ✔ Maturity: When girl turns 21 years old
- ✔ Partial Withdrawal: 50% after girl turns 18 (for education)
- ✔ Tax Benefit: EEE status - exempt at all 3 stages
- ✔ Eligibility: Girl child from birth to 10 years
- ✔ Accounts per family: Maximum 2 (one per girl child)
💰 Triple Tax Benefit (EEE Status)
- ✔ Exempt at investment - Section 80C deduction up to ₹1.5L
- ✔ Exempt on interest - No tax on interest earned
- ✔ Exempt on maturity - Entire maturity amount is tax-free
📊 SSY vs Other Schemes
| Scheme | Interest | Tax Benefit |
|---|---|---|
| SSY | 8.2% | EEE (Full exempt) |
| PPF | 7.1% | EEE |
| NSC | 7.7% | Interest taxable |
❓ FAQ - Sukanya Samriddhi Yojana
1. What is Sukanya Samriddhi Yojana?
SSY is a government savings scheme for girl children offering 8.2% interest with triple tax exemption.
2. What is SSY interest rate for FY 2026-27?
The current SSY interest rate is 8.2% per annum, highest among post office schemes.
3. Is SSY tax-free?
Yes, SSY has EEE status - exempt at investment, interest, and maturity. Fully tax-free.
4. When does SSY mature?
SSY account matures when the girl child turns 21 years old.
5. Can I withdraw from SSY before maturity?
Partial withdrawal (50%) is allowed after girl turns 18 for higher education expenses.
6. What is minimum and maximum deposit in SSY?
Minimum ₹250 per year, maximum ₹1.5 lakh per year.
7. How many SSY accounts can I open?
Maximum 2 accounts per family - one for each girl child.
8. Till what age can I open SSY account?
Account can be opened from birth till the girl child is 10 years old.
9. Can I transfer SSY account to another city?
Yes, SSY account can be transferred anywhere in India free of cost.
10. What happens if I miss a year's deposit?
Account becomes inactive but can be reactivated with ₹50 penalty per year plus minimum deposit.
👉 This calculator provides estimated SSY maturity based on current rates for FY 2026-27. Open SSY account at any post office or authorized bank.