Sukanya Samriddhi Yojana (SSY)

Kotak Bank Sukanya Samriddhi Yojana Calculator

The Kotak Bank Sukanya Samriddhi Yojana calculator helps you estimate your investment growth over a period. The SSY calculator estimates your maturity amount and year based on the inputs such as your yearly investment, your daughter’s age and the starting year.

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Current interest rate
8.2%

Highest among all small savings schemes

Tax Benefit
₹1.5L

Annual deduction under Section 123 (formerly 80C)

Maturity At
21yrs

Or on her marriage after age 18

Flexible contribution
Flexible contribution

Start with ₹250 and invest up to ₹1.5L per year.

Sovereign guarantee
Sovereign guarantee

Backed by Government of India - zero default risk.

Triple tax benefit
Triple tax benefit

EEE status - exempt on deposit, interest & maturity.

Partial withdrawal
Partial withdrawal

Withdraw up to 50% after age 18 for higher education.

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One Step Toward Your Daughter's Future
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By continuing you agree to receive assistance and agree to our Privacy Policy, Terms of Use #For a 55 year on investment of 20Lacs #Discount offered by insurance company

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
View Plans for Your Daughter
*for market linked plans only

How Does The Kotak Bank Sukanya Samriddhi Yojana Calculator Work?

The SSY calculator estimates your growth on investment based on the following factors:

  • Your Girl’s Age: The calculator asks for your girl’s age at the time of investment to determine how long you can invest and whether or not you are eligible for the SSY scheme.
  • Your Yearly Investment: The Kotak Bank Sukanya Samriddhi Yojana Calculator asks for the amount you want to invest per year to determine your total investment.
  • Your Starting Year: The year in which you want to start investing in the SSY scheme.

When you enter the above-mentioned details in the SSY calculator, the tool estimates your investment growth based on the current SSY interest rate and the Compound Interest formula given below:

A = P(1 + r/n)^(nt)

The variables in the formula are defined in the table below:

Variables Term
P Principal amount
n Number of times the interest compounds in a year
A Amount at maturity
r Rate of return
t Time (number of years)

Investment Investment
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Secure your child’s future with or without you
Start Investing
₹10,000/Month
& Get
₹1 Crore*
*Standard T & C Apply

How To Use Kotak Bank Sukanya Samriddhi Yojana Calculator

You can use the Sukanya Samriddhi Yojana Calculator by following the steps below:

  • Step 1: Use Policybazaar’s Kotak Bank Sukanya Samriddhi Yojana Calculator available on this page.
  • Step 2: Enter your annual investment amount, girl’s age and starting year in the calculator.
  • Step 3: The SSY calculator will show your total investment amount, total interest earned, maturity amount and maturity year.

Kotak Bank Sukanya Samriddhi Yojana Calculator Example

Understand the different types of SSY scenarios and estimate your maturity amount with the help of the Sukanya Samriddhi Yojana calculator. The current interest rate for Sukanya Samriddhi Yojana is 8.2% per annum for Quarter 2, 2026-27.

Sukanya Samriddhi Yojana 500 Per Month Calculator

Using the Kotak Bank Sukanya Samriddhi Yojana calculator, an investment of 500 per month will have an expected maturity amount of ₹2,87,285.

Yearly Investment Total Investment Total Interest Maturity Amount
₹6000 ₹90,000 ₹1,97,285 ₹2,87,285

Sukanya Samriddhi Yojana 2000 Per Month Calculator

Using the SSY Calculator, a breakdown for a monthly investment of ₹2000 is given below:

Yearly Investment Total Investment Total Interest Maturity Amount
₹24,000 ₹3,60,000 ₹7,89,339 ₹11,49,139

Who Can Use The Kotak Bank Sukanya Samridhhi Yojana Calculator?

Anyone planning to invest in the Sukanya Samriddhi Yojana can use the Kotak Bank SSY Calculator. Especially:

  • Parents looking to save for their daughter’s higher education and marriage.
  • Parents who are already investing in the SSY scheme and are looking to try different investment options.
Invest More Get More
Invest ₹10K/Month YOU GET ₹1 Crores* For Your Child View Plans
Invest ₹8K/Month YOU GET ₹80 Lakhs* For Your Child View Plans
Invest ₹5K/Month YOU GET ₹50 Lakhs* For Your Child View Plans
Standard T&C Apply *

Benefits of Policybazaar’s Kotak Bank Sukanya Samriddhi Yojana Calculator

Using a Sukanya Samriddhi Yojana Calculator can help you in many ways.

  • You can estimate your monthly amount to be invested in the scheme.
  • You get a real-time estimation of your maturity amount, which helps you in planning your investment.
  • Using the SSY calculator allows you to plan your child’s future in a more informed way.
  • Knowing what to expect during the investment period in the scheme beforehand makes you more confident.

FAQs

  • Is the Kotak Bank Sukanya Samriddhi Yojana Calculator free to use?

    Yes, you can use the Kotak Bank Sukanya Samriddhi Yojana Calculator free of any cost.
  • Can I use the Sukanya Samriddhi calculator to estimate my maturity year?

    Yes, you can use a Sukanya Samriddhi Yojana Calculator to estimate the maturity year for your money. The tool calculates the maturity year based on your daughter’s age at the time of investment.
  • How much will I get if I invest ₹10,000 monthly in the Kotak Sukanya Samriddhi Account?

    If you invest a monthly amount of ₹10,000 in a Kotak Sukanya Samriddhi account, you may end up with an expected maturity amount of ₹57,45,695 after 21 years.
  • What is the minimum amount I can invest in the Sukanya Samridhhi Yojana?

    You can invest as low as ₹250 in your Sukanya Samriddhi Yojana Account. The maximum amount you can invest in the scheme is ₹1.5 lakh per annum.
  • What is the current interest rate for the Kotak Bank Sukanya Samriddhi Account?

    The current interest rate for the Kotak Bank Sukanya Samriddhi Account is 8.2% per annum. The SSY interest rates are set by the Government of India and reviewed on a quarterly basis.
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Career Goal
Start Investing ₹10,000/Month
& Get ₹1 Crore*
*Standard T & C Apply
Disclaimer: Policybazaar does not endorse, rate or recommend any particular insurer or insurance product offered by an insurer.
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˜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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