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Post Office Sukanya Samriddhi Yojana Monthly 1000
The Sukanya Samriddhi Yojana (SSY) is a powerful savings scheme for girl children, offering attractive returns with a modest ₹1,000 monthly deposit. By investing just ₹1,000 per month for 15 years, parents can secure their daughter's future with a maturity amount exceeding ₹6.5 lakh after 21 years. Discover how this small investment, combined with the power of compounding interest, can make a big difference.
Investing in your child's future:Nothing is more important than securing your child's future
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Invest ₹10k/month your child will get ₹1 Cr# Tax-Free*
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India Post Office
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Sukanya Samriddhi Yojana (SSY)
- Post Office Sukanya Samriddhi Yojana Monthly 1000
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 Monthly 1000 Chart
Example of Sukanya Samriddhi Yojana 1000 Per Month Chart
If you invest ₹1000 per month (₹12,000 per year), the amount continues to grow with the power of compounding interest until maturity. With an interest rate of 8.2%, your monthly amount will look like:
| Year | Total Invested (₹) | Interest Earned (₹) | Balance at Year End (₹) |
| 1 | 12,000 | 984 | 12,984 |
| 2 | 24,000 | 2,949 | 26,949 |
| 3 | 36,000 | 6,029 | 42,029 |
| 4 | 48,000 | 10,477 | 58,477 |
| 5 | 60,000 | 16,391 | 76,391 |
| 6 | 72,000 | 24,015 | 96,015 |
| 7 | 84,000 | 33,630 | 1,17,630 |
| 8 | 96,000 | 45,548 | 1,41,548 |
| 9 | 1,08,000 | 60,115 | 1,68,115 |
| 10 | 1,20,000 | 77,709 | 1,97,709 |
| 11 | 1,32,000 | 98,746 | 2,30,746 |
| 12 | 1,44,000 | 1,23,679 | 2,67,679 |
| 13 | 1,56,000 | 1,53,010 | 3,09,010 |
| 14 | 1,68,000 | 1,87,300 | 3,55,300 |
| 15 | 1,80,000 | 2,27,175 | 4,07,175 |
| 16 | 1,80,000 | 2,60,563 | 4,40,563 |
| 17 | 1,80,000 | 2,96,809 | 4,76,809 |
| 18 | 1,80,000 | 3,36,186 | 5,16,186 |
| 19 | 1,80,000 | 3,78,993 | 5,58,993 |
| 20 | 1,80,000 | 4,25,550 | 6,05,550 |
| 21 | 1,80,000 | 4,76,205 | 6,56,205 |
Key points from the chart
- The account holder deposits ₹1,000 per month or ₹12,000 per year for the first 15 years only. No deposits are made in the last 6 years until maturity.
- The interest earned is compounded annually. The current SSY interest rate of 8.2% p.a. is considered for this calculation.
- At the end of the 21-year maturity period, the account holder would have invested a total of ₹1.8 lakh (₹1,80,000).
- The maturity amount after 21 years will be approximately ₹6.56 lakh (₹6,56,205), out of which nearly ₹4.76 lakh (₹4,76,205) is the interest earned.
So by investing just ₹1,000 per month in Sukanya Samriddhi Yojana for the first 15 years, the account will grow to over ₹6.5 lakh by the end of the 21-year maturity period, providing a return of more than 3.6 times the invested amount of ₹1.8 lakh.
What is the Post Office Sukanya Samriddhi Yojana?
The Post of Sukanya Samriddhi Yojana is part of the Beti Bachao, Beti Padhao initiative. It allows parents of a girl child below 10 years of age to open an account at any post office branch or authorised bank. The account matures after 21 years and offers an interest rate decided by the government. Currently, the interest rate of the Post Office Sukanya Samriddhi Yojana scheme is 8.2% p.a., the highest in small savings schemes.
Deposit of ₹1000 Monthly in SSY
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Minimum deposit allowed: ₹250 per year.
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Maximum deposit allowed: ₹1.5 lakh per year.
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If you invest ₹1000 per month (₹12,000 per year), the amount continues to grow with the power of compounding interest until maturity.
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Deposits can be made for 15 years, and the money will earn interest for 21 years.
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
Expected Returns on ₹1000 Monthly Investment
Using a Sukanya Samriddhi Yojana Calculator, you can estimate future savings:
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Monthly contribution: ₹1000
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Annual contribution: ₹12,000
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Tenure of deposit: 15 years (deposit) + 6 years (interest accrues)
Using the SSY calculator, the maturity value will be:
Approximately ₹5-6 lakh depends on prevailing SSY interest rate, currently 8.2% for Q1 FY (2026-27)
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Standard T&C Apply *
Conclusion
Investing ₹1000 monthly in the Post Office Sukanya Samriddhi Yojana is an affordable and secure way to build a large corpus for your daughter’s future. By using the Post Office SSY Calculator, parents can clearly estimate returns and make this savings plan the best investment plan for safeguarding their child’s education and marriage needs.
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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.