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Sukanya Samriddhi Yojana 3000 Per Month
Investing ₹3,000 per month in the Sukanya Samriddhi Yojana (SSY) is a strategic way to build a secure financial foundation for your daughter’s future. Part of the "Beti Bachao, Beti Padhao" initiative, this government-backed scheme is specifically designed to meet the expenses of a girl child's higher education and marriage.
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Invest ₹10k/month your child will get ₹1 Cr# Tax-Free*
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- Sukanya Samriddhi Yojana 3000 Per Month
Post Office Sukanya Samriddhi Yojana Calculator
Latest SSY Interest Rate = 8.2%Yearly Investment
You can invest maximum upto ₹1,50,000₹
Girl's Age
Maximum age should be 10 yearsYrs
Start Year
Investment term is 21 yearsTotal Investment
Total Interest
Total Investment
Total Interest
Maturity Year
Maturity Value
Amount you will get
How SSY Works with a ₹3,000 Monthly Deposit
Investing a fixed amount like ₹3,000 every month provides a disciplined approach to savings. Here is the operational breakdown:
- Deposits: You contribute ₹3,000 every month for a period of 15 years. While the account stays active for 21 years, you only need to make deposits for the first 15.
- Interest Rate: The government reviews and sets the interest rate quarterly. Currently, for 2025, the SSY interest rate is 8.2% per annum. The interest is compounded annually and credited at the end of each financial year.
- Maturity: The Sukanya Samriddhi Yojana account matures 21 years from the date of opening or when the girl child marries after turning 18.
- Partial Withdrawal: To help with educational goals, up to 50% of the balance can be withdrawn for higher education after the girl child reaches age 18 or completes Class 10.
Benefits of Investing ₹3,000 Per Month
Choosing to invest ₹3,000 is both affordable and highly rewarding due to the power of compounding.
- Affordability: This amount easily satisfies the minimum annual deposit of ₹250 and remains well under the maximum cap of ₹1.5 lakh per year.
- Tax Advantage: SSY falls under the Exempt-Exempt-Exempt (EEE) category. This means your contributions are eligible for a deduction under Section 80C, the interest earned is tax-free, and the final maturity amount is also completely exempt from tax.
- Long-Term Wealth: Because the interest is compounded annually, even a modest monthly sum grows into a substantial corpus over two decades.
- Goal-Oriented Safety: Since it is a government-backed scheme, your capital is safe, and the funds are legally protected for the girl child’s use.
Using a Sukanya Samriddhi Yojana Calculator
Before starting, it is helpful to visualize the final returns. A Sukanya Samriddhi Yojana calculator can help you estimate the exact maturity value.
To understand the potential growth, let’s look at an estimate based on a monthly deposit of ₹3,000:
- Monthly Investment: ₹3,000
- Annual Investment: ₹36,000 (₹3,000 x 12)
- Total Investment (over 15 years): ₹5,40,000
- Estimated Interest Earned: ₹11,83,709
- Total Maturity Value: ₹17,23,709
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 *
Key Things to Remember About Sukanya Samriddhi Yojana
- Eligibility: The account must be opened before the girl child turns 10 years old.
- Account Limit: Only one account per girl child is permitted, with a maximum of two accounts per family (exceptions apply for twins or triplets).
- Documentation: You will need the girl child’s birth certificate and the guardian’s KYC documents (Aadhaar, PAN, etc.) to open the account at any post office or authorized bank.
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 Samridhi 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
Final Thoughts
Investing ₹3,000 per month in a Sukanya Samriddhi Yojana account is a disciplined way to build a ₹15 lakh+ fund for your daughter’s dreams. It’s a "set and forget" investment that offers peace of mind through government security and high tax-free returns.
FAQs
-
Can I change my monthly deposit amount later?
Yes, one of the best features of a Sukanya Samriddhi Yojana account is its flexibility. While you may start with ₹3,000 per month, you can increase or decrease this amount at any time, provided your total annual investment is between ₹250 and ₹1.5 lakh. -
How long do I need to keep depositing ₹3,000 per month?
You are required to make deposits for a period of 15 years from the date the account was opened. After 15 years, you don't need to put in any more money, but the account will continue to earn interest for another 6 years until it reaches its full 21-year maturity. -
Can I withdraw the money if my daughter needs it for college before 21 years?
Yes, partial withdrawal is allowed for higher education purposes once the girl child turns 18 or completes the 10th standard (whichever is earlier). You can withdraw up to 50% of the balance available at the end of the preceding financial year.
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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.