Sukanya Samriddhi Yojana Calculator – Secure Your Daughter’s Future

Why Do You Need This Calculator?

If you’re a parent thinking of saving for your daughter’s future, the Sukanya Samriddhi Yojana (SSY) is one of the best options. But how much should you invest? And what will you get in return? That’s where the SSY calculator helps you make informed decisions!

What is Sukanya Samriddhi Yojana?

It is a government-backed savings scheme under the Beti Bachao, Beti Padhao initiative. It encourages parents to save for their girl child’s future.

Key Features:

• Interest Rate (2025): ~8% annually (compounded yearly)
• Minimum Deposit: ₹250/year
• Maximum Deposit: ₹1.5 lakh/year
• Maturity Period: 21 years
• Deposit Term: 15 years (after that, interest continues to accrue)
• Tax Benefits: Under Section 80C (EEE status)

Benefits of Using an SSY Calculator

• ✔️ Helps you plan yearly deposits
• ✔️ Estimates total maturity value
• ✔️ Adjust investment amounts easily
• ✔️ No need for manual calculations

How to Use Sukanya Samriddhi Calculator

Simple Steps:

• Enter your daughter’s current age
• Choose your annual deposit amount
• Select number of years you’ll invest (up to 15 years)
• Click “Calculate” to see results

Example Calculation:

• Annual Deposit: ₹1,00,000
• Term: 15 years
• Total Investment: ₹15,00,000
• Estimated Maturity Value: ₹43–45 lakh*

*Based on 8% interest rate. Actual may vary yearly. 

Top Sukanya Calculator Tools (Outbound Links)

• Groww Sukanya Calculator
• BankBazaar Calculator
• Paisabazaar SSY Tool

Tips to Maximize Returns

• ⏰ Start early for longer compounding
• 📅 Deposit before the 10th of each month for full-month interest
• ✅ Don’t skip deposits to avoid penalties

FAQs

Can I open multiple accounts for one daughter?

No, only one SSY account is allowed per girl child.

Is premature closure allowed?

Yes, in case of emergencies like critical illness or death of account holder.

What happens if I miss a yearly deposit?

You can reactivate the account by paying ₹50 penalty + minimum deposit.

📌 Internal Link: Related Post

Want more secure options for your child’s future? Check out our article on Best Savings Schemes in 2025.

Final Thoughts

The Sukanya Samriddhi Yojana is more than just a savings scheme — it’s a gift to your daughter’s future. Use the SSY calculator to plan wisely and invest smartly. A small step today can create a big change tomorrow.

✅ What To Do Next?

• Use one of the calculators above to plan your SSY journey
• Bookmark this guide for your yearly planning
• Share this post with friends or family with daughters

Have a question or need help planning? Drop a comment below or explore more on our blog!