Sukanya Samriddhi Yojana Calculator Bank of India

The Sukanya Samriddhi Yojana Calculator- Bank of India is a tool to help you plan your investments and future returns from the SSY Scheme. The SSY scheme is a government-backed savings scheme that allows you to easily plan for your daughter’s education and marriage expenses while providing you with tax benefits.

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What is the Bank of India- Sukanya Samriddhi Yojana Calculator?

The Bank of India (BOI) Sukanya Samriddhi Yojana Calculator is an online tool designed to help account holders and potential investors calculate the maturity amount of their SSY investments. This calculator simplifies the process of estimating returns based on different investment scenarios, making it easier for parents to understand how much they need to save to achieve their financial goals for their daughters.

Sukanya Samriddhi Yojana Calculator
Latest SSY interest rates: 8.20%
You can invest a maximum amount up to ₹1,50,000
Yearly ₹
  • ₹250
  • ₹1,50,000
Govt. allows maximum age of enrollment to 10 years
Years
  • 1
  • 2
  • 3
  • 4
  • 5
  • 6
  • 7
  • 8
  • 9
  • 10
Investment term is 21 years
Year
Total investment
₹1.5 Lakh
Total interest
₹3.3 Lakh
Maturity year
2047
Maturity value
₹4.8 Lakh
Explore Tax Saving Funds
*for market linked plans only

How to Use Bank of India- Sukanya Samriddhi Yojana Calculator from Policybazaar?

To use the Bank of India Sukanya Samriddhi Yojana Calculator from Policybazaar, follow these steps:

  • Visit Policybazaar's Website: Go to the BOI SSY Calculator on this page.

  • Insert Your Data:

    • Enter your yearly deposit amount.

    • Specify the girl’s current age.

    • Select your starting year.

    • The SSY interest rate is pre-filled at 8.2% in 2026.

  • Calculate: The SSY Calculator will automatically show your total investment, total interest earned, maturity year, and estimated maturity amount.

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Illustration of Sukanya Samriddhi Yojana Calculator- Bank of India

Let us say you want to calculate the maturity amount based on these parameters:

  • Yearly Deposit: ₹1,50,000

  • Girl’s Age: 6 years

  • Starting Year of Investment: 2026

  • Interest Rate: 8.2%

Based on these inputs, the BOI SSY Calculator by Policybazaar will show you the following results:

  • Total Investment: ₹22,50,000

  • Total Interest Earned: ₹49,32,101

  • Maturity Year: 2045

  • Maturity Value: ₹71,82,101

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Invest ₹5K/Month YOU GET ₹50 Lakhs* For Your Child View Plans
Standard T&C Apply *

Overview of Sukanya Samriddhi Yojana (SSY)

The Sukanya Samriddhi Yojana was launched as part of the Beti Bachao Beti Padhao campaign. Here are some key features:

  • Eligibility: The account can be opened for a girl child up to the age of 10 years.

  • Tenure: The account matures after 21 years from the date of opening or upon marriage after the age of 18.

  • Maximum Deposit: ₹250 per year.

  • Maximum Deposit: ₹1.5 lakh per year.

  • Interest Rate: The interest rate is set by the government and is currently 8.2% per annum (subject to change).

Who Can Use the SSY Calculator- Bank of India in 2026?

The BOI Sukanya Samriddhi Yojana Calculator is accessible to:

  • Parents and Guardians: Those looking to invest in the SSY for their daughters.

  • Financial Planners: Professionals assisting clients in planning for children's education and marriage.

  • Individuals Seeking Information: Anyone interested in understanding potential returns from the SSY scheme.

How Can the SSY Calculator for Bank of India Help You? 

The BOI SSY Calculator can assist users in several ways:

  • Financial Planning: Helps determine how much to save monthly or annually to reach specific financial goals.

  • Investment Comparison: Users can compare different investment scenarios and interest rates.

  • Goal Setting: Aids in setting realistic savings targets based on expected returns.

People also read: Child Education Plan

What are the Benefits of Using a BOI SSY Calculator by Policybazaar?

  • User-Friendly Interface: Easy to navigate, allowing users to input data without hassle.

  • Real-Time Calculation: Provides instant results based on the entered parameters.

  • Customizable Inputs: Users can adjust variables such as initial deposit, monthly contributions, and tenure.

  • Accuracy: Ensures precise calculations based on real-time data.

  • Convenience: Available online, making it easy for anyone to access and use.

  • Enhanced Planning: Facilitates better financial planning by providing insights into potential returns.

Conclusion

Using the Sukanya Samriddhi Yojana Calculator- Bank of India is straightforward and provides valuable insights into your savings plan for your daughter's future. By adjusting different parameters, parents can visualize how their investments can grow over time and make informed decisions about their financial planning.

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FAQs

  • What is the BOI Sukanya Samriddhi Yojana Calculator?

    The BOI Sukanya Samriddhi Yojana Calculator is an online tool that helps users estimate the maturity amount of their investments in the Sukanya Samriddhi Yojana scheme offered by the Bank of India.

  • Who can use the BOI SSY Calculator?

    Anyone interested in saving for a girl child's future can use the calculator, including parents, guardians, and financial planners.

  • What information do I need to use the calculator?

    You will need to provide details such as the initial deposit amount, monthly contributions, investment duration (in years), and the expected interest rate.

  • How does the calculator determine the maturity amount?

    The calculator uses a formula for compound interest to calculate how much your investments will grow over time based on your inputs.

  • Is there a fee to use the BOI SSY Calculator?

    No, using the BOI Sukanya Samriddhi Yojana Calculator is completely free of charge.

  • Can I change my inputs after calculating?

    Yes, you can adjust any of your inputs and recalculate them to see how different amounts affect your total maturity.

  • What is the current interest rate for SSY?

    As of now, the Sukanya Samriddhi Yojana interest rate is approximately 8.2% per annum, but this may vary based on government updates.

˜The insurers/plans mentioned are arranged in order of highest to lowest first year premium (sum of individual single premium and individual non-single premium) offered by Policybazaar’s insurer partners offering life insurance investment plans on our platform, as per ‘first year premium of life insurers as at 31.03.2025 report’ published by IRDAI. Policybazaar does not endorse, rate or recommend any particular insurer or insurance product offered by any insurer. For complete list of insurers in India refer to the IRDAI website www.irdai.gov.in
*All savings are provided by the insurer as per the IRDAI approved insurance plan.
^The tax benefits under Section 80C allow a deduction of up to ₹1.5 lakhs from the taxable income per year and 10(10D) tax benefits are for investments made up to ₹2.5 Lakhs/ year for policies bought after 1 Feb 2021. Tax benefits and savings are subject to changes in tax laws.
#The investment risk in the portfolio is borne by the policyholder. Life insurance is available in this product. The maturity amount of Rs 1 Cr. is for a 30 year old healthy individual investing Rs 10,000/- per month for 30 years, with assumed rates of returns @ 8% p.a. that is not guaranteed and is not the upper or lower limits as the value of your policy depends on a number of factors including future investment performance. In Unit Linked Insurance Plans, the investment risk in the investment portfolio is borne by the policyholder and the returns are not guaranteed. Maturity Value: ₹1,05,02,174 @ CARG 8%; ₹50,45,591 @ CAGR 4%
+Returns Since Inception of LIC Growth Fund
¶Long-term capital gains (LTCG) tax (12.5%) is exempted on annual premiums up to 2.5 lacs.
++Source - Google Review Rating available on:- http://bit.ly/3J20bXZ
^^The information relating to mutual funds presented in this article is for educational purpose only and is not meant for sale. Investment is subject to market risks and the risk is borne by the investor. Please consult your financial advisor before planning your investments.

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