Small SavingsSukanya Samriddhi calculator
Work out the amount an SSY account reaches at the end of 21 years, with deposits for 15 years. The latest rate in the official table (July to September 2026) is 8.2%. Nothing you type leaves your device.
Examples at the current rate
| Deposit | Total put in | At maturity |
|---|---|---|
| ₹250 a month | ₹45,000 | ₹1,38,647 |
| ₹1,000 a month | ₹1,80,000 | ₹5,54,613 |
| ₹5,000 a month | ₹9,00,000 | ₹27,73,058 |
| ₹12,500 a month | ₹22,50,000 | ₹69,32,648 |
The rules in short
- Term: 21 years.
- Deposit: Minimum ₹250 and maximum ₹1,50,000 in a financial year.
- Tax: Interest is tax free; deposits qualify for the rebate under section 80C (as the NSI page words it).
- 50% of the balance can be withdrawn for higher education after the girl reaches 18 or passes tenth standard, whichever is earlier.
How the 21 years work
Deposits go in during the first 15 years. After that no more deposits are made, but the balance keeps earning interest until the account matures in the 21st year. So a large part of the final amount is interest on interest in the last six years. Starting early and depositing every year matters more than the size of a single deposit.
Before you invest
Before you open a Sukanya Samriddhi account, check the rules on who may open it and how many accounts a family may hold with the post office or bank, because the NSI summary page used here does not list them. Plan the deposits to fit your monthly budget: the account keeps growing for six years after the last deposit, so regular early deposits matter more than a late lump sum.
Common questions
What is the Sukanya Samriddhi interest rate?
The NSI table shows 8.2% a year for every quarter from January-March 2024 to July-September 2026 (it was 8.0% before that, back to April 2023).
For how long are deposits made?
NSI gives the scheme a term of 21 years. Deposits are made for the first 15 years and the balance keeps earning interest until the 21st year. The 15-year deposit period is the usual scheme rule and was not shown on the NSI summary page.
How much can be deposited?
At least ₹250 and at most ₹1,50,000 in a financial year (NSI).
Can money be taken out earlier?
NSI says 50% of the balance can be withdrawn for higher education after the girl reaches 18 or passes tenth standard, whichever is earlier.
Sources
- Interest rates for every quarter: National Savings Institute, Ministry of Finance, "Scheme Wise Interest Rate" table (nsiindia.gov.in), read on 13 November 2026. The latest quarter shown in that table was July-September 2026; the October-December 2026 column was empty on that date.
- Minimum and maximum deposits, terms and withdrawal features: the same institute's "National Savings Schemes at a glance" page (nsiindia.gov.in), read on 13 November 2026.
- PPF interest rule: Public Provident Fund Scheme, 2019, paragraph 7, as published by the National Savings Institute (nsiindia.gov.in), read on 13 November 2026: the lowest balance between the close of the fifth day and the end of the month earns interest, at a rate per annum, and interest is credited at the end of each year. The same paragraph, as amended by G.S.R. 290(E) of 5 May 2020, fixes 7.1% a year for deposits from 1 April 2020.
- What the texts do not spell out and this site assumes: a month earns one twelfth of the yearly rate, and interest is rounded to the rupee when it is added. Sukanya Samriddhi follows the same pattern in the way we work it; the recurring deposit and time deposit figures compound every quarter, as NSI says for the time deposit; the rule texts of those schemes were not opened. Every result is an estimate and a passbook can differ by a few rupees.
Rates and limits read on 13 November 2026 from the National Savings Institute. They are set by the government for each quarter and can change; the rates shown are those of July to September 2026, so treat them as out of date after 31 December 2026 unless this page has been updated. This is arithmetic, not investment advice; check the current rate at a post office, an authorised bank or indiapost.gov.in before you invest.