Sukanya Samriddhi calculator: maturity at 8.2%
Enter what you deposit each year. You deposit for 15 years; the account keeps earning until 21 years after you open it.
- Current rate 8.2%
- Tax-free
- Free, no sign-up
Plan her future and your tax together
Our experts check how SSY fits with your 80C limit and other goals, so you claim it under the right regime.
Questions people often ask
Can I open SSY for two daughters?
Yes, one account each, for up to two girls (three in the case of twins or triplets).
When can she use the money?
Up to half can be withdrawn after she turns 18 for higher education. The account matures 21 years after opening.
Sukanya Samriddhi at a glance
For a girl under 10. Tax-free.
| Interest rate | 8.2% (Oct–Dec 2026) |
| Deposit | ₹250 to ₹1.5 lakh a year |
| You deposit for | 15 years |
| Matures after | 21 years |
Last reviewed 8 October 2026. Rates are notified by the Ministry of Finance every quarter; these are for 1 October to 31 December 2026.
- Small savings schemes and interest rates National Savings Institute, Ministry of Finance
- Post office savings schemes India Post
- Tax rules for salaried individuals, AY 2026-27 Income Tax Department
Common questions
What is the Sukanya Samriddhi interest rate now?
8.2% a year for October to December 2026, reviewed every quarter.
How long do I need to deposit?
15 years from the date you open the account. It matures 21 years after opening.
How much can I deposit?
₹250 to ₹1.5 lakh a financial year.
Is Sukanya Samriddhi tax-free?
Yes. Deposits count for 80C under the old regime, and the interest and maturity amount are tax-free.
Who can open an account?
A parent or guardian, for a girl under 10 years old.
Related calculators
PPF
Your PPF balance at maturity, all of it tax-free.
80C planner
Use your ₹1.5 lakh 80C limit well.
Child's education
Save for your child's education.
SIP
What a monthly investment could grow to.
NSC
Interest and maturity on National Savings Certificates.
Fixed deposit
Interest and maturity amount on an FD.