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Sukanya Samriddhi Yojana (SSY)
Sukanya Samriddhi Yojana Calculator – Punjab National Bank
The Sukanya Samriddhi Yojana (SSY), a government-backed savings scheme, enables parents to secure their daughter's financial future. The Sukanya Samriddhi Yojana Calculator – Punjab National Bank (PNB) helps parents estimate potential returns on investments, ensuring efficient financial planning for education and marriage.
Current interest rate
8.2%
Highest among all small savings schemes
Tax Benefit
₹1.5L
Annual deduction under Section 80C
Maturity At
21yrs
Or on her marriage after age 18
Flexible contribution
Start with ₹250 and invest up to ₹1.5L per year.
Sovereign guarantee
Backed by Government of India - zero default risk.
Triple tax benefit
EEE status - exempt on deposit, interest & maturity.
Partial withdrawal
Withdraw up to 50% after age 18 for higher education.
See what she'll receive
Adjust the investment to see her projected corpus
- ₹250
- ₹1,50,000
Yrs
- Newborn
- 1
- 2
- 3
- 4
- 5
- 6
- 7
- 8
- 9
- 10 Yrs
Yrs
Calculate
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Sukanya Samriddhi Yojana
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PNB Bank Sukanya Samriddhi Yojana
- Sukanya Samriddhi Yojana Calculator – Punjab National Bank
What is Sukanya Samriddhi Yojana Calculator – Punjab National Bank?
The Punjab National Bank Sukanya Samriddhi Yojana Calculator is an online tool designed to calculate the maturity amount of SSY investments. By entering basic details like deposit amount, child's age, and investment start year, users can effortlessly plan their finances to meet their goals. This tool simplifies complex calculations, providing accurate and quick insights.
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
*for market linked plans only
How to Use Sukanya Samriddhi Yojana Calculator – Punjab National Bank from Policybazaar?
Using the PNB SSY Calculator via Policybazaar is straightforward:
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On the page: Navigate to the PNB SSY Calculator given on the page.
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Enter Key Details:
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Annual deposit amount.
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Your daughter's current age.
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Investment start year.
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Interest Rate Pre-Filled: The SSY interest rate for 2026 (8.2%) is preloaded.
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View Results: The calculator will show the following results
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Total investment.
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Interest earned.
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Maturity value.
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People also read: Child Education Plan
Illustration of Sukanya Samriddhi Yojana Calculator – Punjab National Bank
Let's understand with an example:
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Yearly Deposit: ₹1,20,000
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Girl's Age: 6 years
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Starting Year: 2026
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Interest Rate: 8.2%
The outputs:
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Total Investment: ₹18,00,000
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Total Interest Earned: ₹39,02,234
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Maturity Year: 2045
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Maturity Value: ₹57,02,234
Invest More Get More
Invest ₹10K/Month YOU GET ₹1 Crores* For Your Child
Invest ₹8K/Month YOU GET ₹80 Lakhs* For Your Child
Invest ₹5K/Month YOU GET ₹50 Lakhs* For Your Child
Standard T&C Apply *
Overview of Sukanya Samriddhi Yojana
The Sukanya Samriddhi Yojana is a part of the Beti Bachao Beti Padhao initiative. Key features include:
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Eligibility: Open to girls under 10 years of age.
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Tenure: 21 years or until marriage (post 18 years).
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Minimum Deposit: ₹250 annually.
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Maximum Deposit: ₹1.5 lakh annually.
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Interest Rate: 8.2% per annum in 2026 (subject to change).
Banks Offering SSY
SSY Calculators
Indian Overseas Bank Sukanya Samriddhi Yojana
IndusInd Bank Sukanya Samriddhi Yojana
Yes Bank Sukanya Samriddhi Yojana
Bank of India Sukanya Samriddhi Yojana
Kotak Bank Sukanya Samriddhi Account
Bank of Maharashtra Sukanya Samriddhi Yojana
Andhra Bank Sukanya Samriddhi Account
UCO Bank Sukanya Samriddhi Yojana
Expand
Indian Bank- Sukanya Samriddhi Yojana Calculator
Sukanya Samriddhi Yojana- Central Bank of India Calculator
Canara Bank- Sukanya Samriddhi Yojana Calculator
Bank of Maharashtra- Sukanya Yojana Calculator
Sukanya Samriddhi Yojana Calculator Bank of India
Sukanya Samriddhi Yojana Calculator - Union Bank
Sukanya Samriddhi Yojana Calculator-UCO Bank
Sukanya Samriddhi Yojana Calculator - State Bank of India
Expand
Who Can Use the SSY Calculator – Punjab National Bank in 2026?
PNB SSY calculator can be a useful tool for:
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Parents/Guardians: Planning for their daughter's future expenses.
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Financial Advisors: Assisting clients with SSY investment planning.
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General Users: Exploring SSY benefits and returns.
How Can SSY Calculator – Punjab National Bank Help You?
The PNB SSY Calculator offers:
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Financial Insights: Determine periodic savings requirements.
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Goal Setting: Establish realistic financial targets.
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Comparative Analysis: Evaluate multiple scenarios to optimize savings.
What are the Benefits of Using a PNB SSY Calculator by Policybazaar?
The PNB SSY Calculator by Policybazaar provides several advantages:
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Ease of Use: A user-friendly interface for quick calculations.
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Accuracy: Reliable projections for sound financial planning.
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Flexibility: Customizable inputs for tailored results.
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Convenience: Available online anytime.
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Quick Results: Instant estimates for informed decisions.
Conclusion
The Sukanya Samriddhi Yojana Calculator – Punjab National Bank is an invaluable tool for parents aiming to secure their daughter's future. By providing accurate estimations and enabling efficient planning, this calculator simplifies the path toward achieving financial goals. Leverage this tool to build a brighter future for your child today!
FAQs
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How accurate is the PNB SSY Calculator?
The calculator uses the current SSY interest rate (8.2% for 2026) and provides reliable projections based on the input details. However, actual returns may vary if the interest rate changes in the future. -
Can I use the PNB SSY Calculator if I haven't started an SSY account yet?
Yes, the calculator is a planning tool, allowing you to explore potential returns even if you haven't opened an account yet. -
Does the calculator account for changes in the SSY interest rate?
The calculator uses the current year's interest rate (8.2% for 2026). If the rate changes, future calculations need to be adjusted accordingly. -
What is the maximum deposit I can calculate using the tool?
The maximum annual deposit for the Sukanya Samriddhi Yojana is ₹1.5 lakh, which aligns with the scheme's rules. -
Is the calculator available for free?
Yes, the Sukanya Samriddhi Yojana Calculator – Punjab National Bank is available for free on platforms like Policybazaar. -
How can the SSY Calculator help me achieve financial goals?
The calculator provides clarity on the amount you need to save periodically, helping you set realistic financial goals for your daughter's education and marriage. -
Can I use the calculator for multiple scenarios?
Yes, you can input different deposit amounts, ages, and start years to compare results and choose the best savings strategy. -
How long does it take to calculate returns using the tool?
It provides instant results once you input the required details, saving time and effort compared to manual calculations. -
Is the PNB SSY Calculator compatible with mobile devices?
Yes, most online calculators, including this one on Policybazaar, are mobile-friendly and can be accessed on smartphones and tablets.
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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.