Post Office Sukanya Samriddhi Yojana ₹3000 Per Month

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, the SSY interest rate is 8.2% per annum for July - September 2026. 
• Maturity: The Sukanya Samriddhi Yojana account matures after 21 years from the date of opening. Premature closure is also permitted for marriage after the girl child turns 18, subject to the applicable conditions.
• Partial Withdrawal: To help with educational goals, up to 50% of the balance can be withdrawn for higher education after the girl child reaches age 18 or completes Class 10.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: Contributions to SSY are eligible for deduction under Section 123 (earlier Section 80C), subject to the applicable tax regime and prescribed limits. The interest earned is exempt from income 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: SSY is a government-backed small savings scheme designed to build long-term savings for a girl child's education and other future needs. 

If you plan to invest ₹3,000 every month, the Post Office Sukanya Samriddhi Yojana Calculator helps estimate the maturity amount from your contributions, interest rate and investment period.

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Key Things to Remember About Sukanya Samriddhi Yojana

Before opening a Sukanya Samriddhi Yojana account, keep the following key eligibility, account-related and documentation requirements in mind:

• 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 authorised bank.