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Sukanya Samriddhi Yojana (SSY)
Sukanya Samriddhi Yojana Chart 2026
Sukanya Samriddhi Yojana is one of the best government-backed schemes for a girl child in India. The scheme offers a decent interest rate and is often used to plan for a daughter’s future like higher education and marriage. While people know about the SSY scheme, they often wonder about the Sukanya Samriddhi Yojana chart for interest rate and maturity proceeds after years of investment. The chart helps understand the scheme across different investment scenarios.
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.
See how much your daughter will receive at maturity
Adjust the sliders to set the investment amount & her age
- ₹250
- ₹1,50,000
Yrs
- Newborn
- 1
- 2
- 3
- 4
- 5
- 6
- 7
- 8
- 9
- 10 Yrs
Yrs
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Child Plans
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Sukanya Samriddhi Yojana (SSY)
- Sukanya Samriddhi Yojana Chart
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
Sukanya Samriddhi Yojana Interest Rate Chart
The government of India quarterly reviews the interest rates for the Sukanya Samriddhi Yojana. The current Sukanya Samriddhi Yojana interest rate is 8.2% for Quarter 2, 2026-27.
The table below shows the Sukanya Samriddhi Yojana chart for interest rates since its inception in 2015:
| Period | Interest Rate |
| 01 Jan 2024 – 30 Sep 2026 | 8.2% |
| 01 Jul 2019 – 31 Mar 2020 | 8.4% |
| 01 Oct 2018 – 30 Jun 2019 | 8.5% |
| 01 Jan 2018 – 30 Sep 2018 | 8.1% |
| 01 Jul 2017 – 31 Dec 2017 | 8.3% |
| 01 Apr 2017 – 30 Jun 2017 | 8.4% |
| 01 Oct 2016 – 31 Mar 2017 | 8.5% |
| 01 Apr 2016 – 30 Sep 2016 | 8.6% |
| 01 Apr 2015 – 31 Mar 2016 | 9.2% |
| 03 Dec 2014 – 31 Mar 2015 | 9.1% |
Monthly Sukanya Samriddhi Yojana Chart
The monthly chart for the SSY scheme with estimated maturity value using Sukanya Samriddhi Scheme calculator is given in the table below:
| Monthly Investment | Annual Contribution | Invested Amount | Estimated Maturity Value |
| ₹500 | ₹6,000 | ₹90,000 | ₹2.8 lakh |
| ₹1,000 | ₹12,000 | ₹1.8 lakh | ₹5.7 lakh |
| ₹2,000 | ₹24,000 | ₹3.6 lakh | ₹11.5 lakh |
| ₹3,000 | ₹36,000 | ₹5.4 lakh | ₹17.2 lakh |
| ₹5,000 | ₹60,000 | ₹9 lakh | ₹28.7 lakh |
| ₹7,500 | ₹90,000 | ₹13.5 lakh | ₹43.1 lakh |
| ₹10,000 | ₹1.2 lakh | ₹18 lakh | ₹57.5 lakh |
| ₹12,500 | ₹1.5 lakh | ₹22.5 lakh | ₹71.8 lakh |
Note: The above calculations are done based on the current interest rate of 8.2%.
Age-Wise Sukanya Samriddhi Yojana Chart
While the Sukanya Samriddhi Scheme has an investing period of 15 years, the earlier you start investing, the sooner you will be able to use the benefits.
The SSY age-wise chart showing a girl’s age during the investment started, deposit period ends and on account maturity is given below:
| Investment Starts | Deposit Period Ends | Account Matures On |
| Newborn | Age 15 | Age 21 |
| 2 Years | Age 17 | Age 23 |
| 5 Years | Age 20 | Age 26 |
| 8 Years | Age 23 | Age 29 |
| 10 Years | Age 25 | Age 31 |
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
Benefits of Sukanya Samriddhi Yojana
Here are some of the key benefits of investing in the Sukanya Samriddhi Yojana:
- You can enjoy the fully tax-free status as your deposit, returns and maturity remains tax free.
- You can also partially withdraw your money for higher education, provided your daughter has turned 18 years.
- The SSY scheme has consistently offered interest rates of 8%+ throughout its history.
FAQs
-
Is the maturity amount taxable in the Sukanya Samriddhi Scheme?
No, the maturity amount, along with the amount deposited and interest earned in the Sukanya Samriddhi Scheme is totally tax-free since it enjoys EEE status. -
How much will I get if I invest ₹2000 monthly in Sukanya Samriddhi Scheme?
If you keep investing a monthly amount of ₹2000 in the Sukanya Samriddhi Scheme for 15 years, you will end up with an estimated maturity amount of ₹11.5 lakh after 21 years. The amount is totally tax free and is calculated based on the current interest rate of 8.2%. -
Can I withdraw my full money before maturity in Sukanya Samriddhi Scheme?
No, you cannot withdraw your whole money before the maturity period of 21 years in Sukanya Samriddhi Scheme. In case your daughter gets married upon turning 18 years of age, the account can be closed prematurely.
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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.