SSY maturity at 21 years, the education withdrawal at 18, and a year-by-year table
Estimates only, not financial advice. What you type stays on your device. Checked against sources on 18 Oct 2026.Sukanya Samriddhi Yojana takes ₹250 to ₹1,50,000 a year for a girl under ten, runs deposits for 15 years and pays out 21 years after the account is opened. At 8.2 per cent, ₹1,50,000 a year matures to about ₹71.8 lakh. Half the balance can be withdrawn at 18 for education.
Rates and rules read from the sources listed on this page (the earliest on 18 Oct 2026); they may have changed since.
Set the "Yearly deposit" slider between ₹250 and ₹1,50,000, or tap one of the deposit chips.
Set "Her age when the account is opened", and check the "Interest rate" against the current quarter.
Choose "By 5 April" or "End of the year" under "When you deposit each year".
Move "Withdraw at 18 for her education" if you plan that withdrawal, then read the estimated maturity value and "Interest earned".
Press "Share result" to copy a link with these inputs.
The Sukanya Samriddhi calculator works out what a girl child's SSY account is worth when it matures. Enter the yearly deposit, anything from ₹250 to ₹1,50,000, and her age on the day the account is opened. You get the maturity amount, the total deposited, the interest earned, the year she turns 18, and a table of all 21 years.
Two dates decide the answer, and they are different. Deposits run for 15 years from the day the account is opened. The account matures 21 years from that same day. So after the fifteenth deposit nothing more goes in, and the balance simply earns interest for six more years. On ₹1,50,000 a year at 8.2%, those six silent years add about ₹27 lakh, which is why opening the account early matters more than depositing more later.
The formula, in plain text, with r = rate ÷ 100: paid on or before 5 April, closing balance = (opening balance + deposit) × (1 + r); paid after 5 March, closing balance = opening balance × (1 + r) + deposit. For 15 equal on-time deposits D, maturity = D × [((1 + r)^15 − 1) ÷ r] × (1 + r) × (1 + r)^6. Interest is worked out monthly on the lowest balance between the close of the 5th and the end of the month, and credited once a year, so it compounds annually.
When the girl turns 18, up to 50% of the balance at the end of the previous financial year may be withdrawn for her education. Turn that on to see what taking it costs the final figure. The interest rate is revised every quarter by the Ministry of Finance, and this assumes today's rate for all 21 years, so the real maturity will differ. Estimates only, not financial advice.
Sources: the Sukanya Samriddhi Account Scheme, 2019 for the age limit, deposit limits, the 15-year and 21-year terms and the education withdrawal; the quarterly small savings interest rate notification from the Ministry of Finance for the rate.
At 8.2% a year, ₹1,50,000 deposited by 5 April for 15 years matures to about ₹71.8 lakh after 21 years: ₹22.5 lakh deposited and roughly ₹49.3 lakh of interest. The rate is revised every quarter, so the real figure will differ from any projection made today.
A parent or legal guardian opens the account in the name of a girl child who has not yet turned ten. The scheme allows two accounts per family, with an exception for twins or triplets born in the second birth. Only one account is allowed per girl, at a post office or an authorised bank.
Deposits are allowed for 15 years from the day the account is opened, but maturity is 21 years from that same day. For the last six years nothing is added and the balance keeps earning interest. On ₹1,50,000 a year at 8.2%, those six years alone add about ₹27 lakh.
₹250 is the minimum in a financial year and ₹1,50,000 is the maximum, paid in one go or in instalments, in multiples of ₹50. Missing the minimum makes the account irregular until a default fee is paid for each year missed, so a small standing deposit is safer than a large irregular one.
Up to 50% of the balance at the end of the previous financial year may be withdrawn once the girl turns 18 or passes the tenth standard, whichever is earlier, for her education. Switch the withdrawal on in the calculator to see what taking that half costs the final maturity amount.
The rate shown beside the result, with the date it took effect, because small savings rates are notified quarterly by the Ministry of Finance. Confirm the current rate before relying on the figure, and change the rate in the calculator to see how a quarter-point up or down moves the maturity value.
SSY ka paisa kaise nikale: half the balance can be withdrawn at 18 for education, and the full amount at maturity, 21 years after opening. Early closure is allowed on marriage after 18, or on the account holder's death, and otherwise only in cases the scheme names. The account form and passbook are needed at the post office or bank.
Rates and rules change; check the source before you rely on a figure.
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