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Sukanya Samriddhi Yojana (SSY)
Post Office Sukanya Samriddhi Yojana Calculator
Post Office Sukanya Samriddhi Yojana Calculator is an online tool designed to simplify financial planning for parents investing in their daughters' future. This calculator facilitates easy estimation of potential returns and helps make informed decisions regarding savings under the Sukanya Samriddhi Yojana at the Post Office. Sukanya Samriddhi Yojana is a small savings scheme launched by the Government of India in 2015 as part of the Beti Bachao Beti Padhao campaign.
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
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.
In-Built life cover
One Step Toward Your Daughter's Future
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Sukanya Samriddhi Yojana
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Sukanya Samriddhi Yojana – Post Office
- Post Office Sukanya Samriddhi Yojana Calculator
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
What is the Post Office Sukanya Samriddhi Yojana Calculator?
The Post Office Sukanya Samriddhi Yojana (SSY) Calculator is a simple and easy-to-use financial tool that allows you to calculate the maturity amount you will receive by investing in the scheme.
Sukanya Samriddhi Yojana is a small savings scheme launched by the Government of India in 2015 as part of the Beti Bachao Beti Padhao campaign. The scheme is aimed at encouraging parents to save for the future education and marriage of their girl child.
Steps to Use Sukanya Samriddhi Yojana Calculator Post Office - 2026
You can use Policybazaar’s Post Office Sukanya Samriddhi Yojana calculator by following the steps given below:
- Step 1: Locate the Post Office SSY Calculator available on this page.
- Step 2: Enter the following information in the calculator:
- Yearly investment amount
- Your daughter’s age
- Year in which you want to start investing in the SSY scheme
- Step 3: After entering the above details, the calculator applies the current SSY interest rate and shows the following results:
- Total investment amount
- Total interest earned on the investment
- Maturity amount and maturity year
Post Office Sukanya Samriddhi Yojana Calculator Example Calculations
Here are some example calculations made using the Post Office SSY Calculator with different contributions and investment starting years, while assuming the SSY interest rate at 8.2% p.a. (Q3, 2026-27):
| Annual Investment (₹) | Investment Starts in | Maturity Year | Total Invested (₹) | Maturity Value (₹) | Interest Earned (₹) |
| 5,000 | 2026 | 2047 | 75,000 | 2.4 lakhs | 1.6 lakhs |
| 12,000 | 2028 | 2049 | 1.8 lakhs | 5.7 lakhs | 3.9 lakhs |
| 25,000 | 2029 | 2050 | 3.75 lakhs | 12 lakhs | 8.2 lakhs |
| 30,000 | 2030 | 2051 | 4.5 lakhs | 14.4 lakhs | 9.9 lakhs |
Working of the Post Office Sukanya Samriddhi Yojana Calculator
The Post Office Sukanya Samriddhi Yojana calculator works by factoring in details such as investment amount, starting year, interest rate, etc. The tool then uses the compound interest formula to calculate the maturity value. The formula for the compound interest is given below:
Key Advantages of Using Post Office Sukanya Samriddhi Yojana Calculator
There are many advantages attached to using the calculator provided under the Post Office Sukanya Samriddhi Yojana; some of them are listed below:
- Easy to use: The SSY calculator post office is easy to use and can be accessed by anyone.
- Accuracy: It ensures precise calculations based on current interest rates and rules.
- Planning: The calculator helps in effective financial planning by exploring various investment scenarios.
- Free: The Post Office Sukanya Samriddhi Yojana Calculator is free to use.
- Accurate: The SSY calculator is accurate and provides reliable results.
- Time-saving: The calculator can save you time and effort.
- Decision-making: The Post Office Sukanya Samriddhi Yojana Calculator empowers informed decisions regarding SSY investments.
- Comparison: Allows comparison with other investment options for better decision-making.
- Adjustments: Enables assessment of the impact of changing investment parameters.
- Understanding Benefits: Enhances comprehension of SSY scheme benefits, especially compounding interest.
All these features make this calculator very useful and convenient for people who are thinking of investing in the scheme to secure the future of their girl child.
Who Can Use the Post Office Sukanya Samriddhi Yojana Calculator?
Here are the people who can use the Post Office Sukanya Samriddhi Yojana Calculator to estimate the maturity amount:
- Parents planning for their daughter’s education or marriage.
- Investment advisers estimating future maturity values to guide their clients about the scheme.
- Someone who has already invested in the SSY scheme and wants to adjust their contributions.
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
Andhra Bank Sukanya Samriddhi Account
UCO Bank Sukanya Samriddhi Yojana
IDBI 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
Post Office Sukanya Samriddhi Yojana Overview
Here is an overview of the Sukanya Samriddhi Yojana, covering key details such as eligibility criteria, contribution period, maturity, etc:
| Particulars | Details |
| Who can apply | Only parents or the legal guardians of the girl child |
| Age Criteria | Girl child of less than 10 years of age |
| Citizenship | The girl child must be a citizen of India |
| Interest Rate | 8.2% per annum for the financial year (Q3 FY 2026-27) |
| No. of Accounts | Maximum of 2 SSY accounts per family (Except in case of second girl child as twins or triplets). |
| Contribution Period | Maximum 15 years from the date of account opening |
| Maturity Period | 21 years from the date of account opening |
| Minimum Deposit Amount | ₹250/year |
| Maximum Deposit Amount | ₹1.5 lakhs/year |
| Taxability | Deduction benefits on deposits of up to 1.5 lakh/year under Section 80C of the Income Tax Act in the Old Tax Regime; interest is tax free under Section 10. |
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 *
Points to Consider Before Using the Sukanya Samriddhi Yojana Post Office Calculator
When using the sukanya samriddhi yojana calculator post office to determine the final maturity amount, you should consider the following factors:
- Consistent Investment: The calculator assumes that the same amount will be invested yearly throughout the scheme.
- Investment Period: Investments are made for the initial 15 years, with the remaining six years dedicated to interest gains only.
- Constant Interest Rate: The rate of interest remains constant throughout the scheme tenure.
- Yearly Contributions: Contributions are made on a yearly basis.
- No Withdrawals: There are no withdrawals during the scheme's entire duration.
Summing It Up
The Post Office Sukanya Samriddhi Yojana Calculator serves as a valuable tool for you if you seek to plan and manage your investments under this child plan. With its user-friendly interface and accurate calculations, it empowers you to make informed decisions and secure a bright future for your daughters.
FAQs
-
Can I track the annual growth of my investments?
Yes, using a sukanya samriddhi yojana calculator year wise tool allows you to view a detailed breakdown showing your opening balance, yearly contributions, interest earned, and closing balance for each of the 21 years until maturity. -
What is the maturity amount for a ₹5,000 monthly deposit?
By using a sukanya samriddhi yojana 5000 per month calculator, your total annual investment equals ₹60,000. Over the 15-year deposit period, you will invest a total of ₹9,00,000. At the current 8.2% interest rate, your estimated maturity amount after 21 years will be approximately ₹28,72,848.
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Disclaimer: Policybazaar does not endorse, rate or recommend any particular insurer or
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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.