Small SavingsSukanya Samriddhi: ₹10,000 a month
This page shows a Sukanya Samriddhi account where ₹10,000 is deposited every month for the first 15 years and the balance then stays until the account matures in year 21, at the official rate of 8.2%. You put in ₹18,00,000. At year 21 the account holds ₹55,46,117, of which ₹37,46,117 is interest.
Year by year
| Year | Deposit | Interest added | Balance at year end |
|---|---|---|---|
| 1 | ₹1,20,000 | ₹5,330 | ₹1,25,330 |
| 2 | ₹1,20,000 | ₹15,607 | ₹2,60,937 |
| 3 | ₹1,20,000 | ₹26,727 | ₹4,07,664 |
| 4 | ₹1,20,000 | ₹38,758 | ₹5,66,422 |
| 5 | ₹1,20,000 | ₹51,777 | ₹7,38,199 |
| 6 | ₹1,20,000 | ₹65,862 | ₹9,24,061 |
| 7 | ₹1,20,000 | ₹81,103 | ₹11,25,164 |
| 8 | ₹1,20,000 | ₹97,593 | ₹13,42,757 |
| 9 | ₹1,20,000 | ₹1,15,436 | ₹15,78,193 |
| 10 | ₹1,20,000 | ₹1,34,742 | ₹18,32,935 |
| 11 | ₹1,20,000 | ₹1,55,631 | ₹21,08,566 |
| 12 | ₹1,20,000 | ₹1,78,232 | ₹24,06,798 |
| 13 | ₹1,20,000 | ₹2,02,687 | ₹27,29,485 |
| 14 | ₹1,20,000 | ₹2,29,148 | ₹30,78,633 |
| 15 | ₹1,20,000 | ₹2,57,778 | ₹34,56,411 |
| 16 | ₹0 | ₹2,83,426 | ₹37,39,837 |
| 17 | ₹0 | ₹3,06,667 | ₹40,46,504 |
| 18 | ₹0 | ₹3,31,813 | ₹43,78,317 |
| 19 | ₹0 | ₹3,59,022 | ₹47,37,339 |
| 20 | ₹0 | ₹3,88,462 | ₹51,25,801 |
| 21 | ₹0 | ₹4,20,316 | ₹55,46,117 |
What this tells you
- After year 15 nothing more is paid in, but the balance grows by ₹2,83,426 in year 16 and ₹4,20,316 in the final year, only from interest.
- The balance at the end of year 15 is ₹34,56,411; the next six years add ₹20,89,706 more.
- The yearly total of ₹1,20,000 is within the limit of ₹1,50,000 in a financial year.
- The rate of 8.2% is the latest in the official table and is reviewed every quarter.
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
How much will ₹10,000 a month in Sukanya Samriddhi become?
About ₹55,46,117 at the end of 21 years at 8.2%, with deposits for 15 years.
Is that guaranteed?
The rate is announced every quarter and can change, so the final figure can differ.
Change the figures in the calculator
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.