Use our free Sukanya Samriddhi Yojana calculator to instantly estimate your maturity amount. Check the latest interest rate and plan for a secure future.
Sukanya Samriddhi Yojana Calculator
Estimate the maturity amount for your daughter’s future.
Maturity Year
—Total Amount Invested
₹ —Total Interest Earned
₹ —Maturity Value
₹ —SSY Historical Interest Rates
| Period | Interest Rate (% per annum) |
|---|
What Exactly is a Sukanya Samriddhi Yojana (SSY) Calculator?
A Sukanya Samriddhi Yojana (SSY) Calculator is an online tool that helps you estimate the maturity amount you will receive from this government-backed savings scheme. By entering key details like your yearly investment amount, the age of the girl child, and the start year of the investment, the calculator projects the total interest you'll earn and the final lump sum value after the 21-year lock-in period. It simplifies the complex compound interest calculations, giving you a clear financial picture of the investment.
How Do You Use an SSY Calculator?
Don't worry, it's super user-friendly – anyone can do it in a minute or two. Here's a quick step-by-step guide:
- Enter Your Yearly Investment: Pop in the amount you'll deposit each year. Remember, it has to be between ₹250 and ₹1,50,000 to fit the scheme's rules.
- Add the Girl's Age: Tell it how old the girl is right now. (Quick note: You can only open an SSY account if she's 10 or younger.)
- Investment Start Year: enter your starting investment year.
- Input the Interest Rate: Put in the current rate – sometimes the calculator has it pre-loaded, but double-check for the latest one to be accurate.
- Hit Calculate: Boom! Click that button, and you'll instantly see the maturity year, your total contributions, the interest earned, and the final amount you'll get.
It's that straightforward – like using a budgeting app, but tailored for SSY.
What's the Sukanya Samriddhi Yojana Interest Rate in 2025?
As of the July-September 2025 quarter, the interest rate is sitting at 8.2% per year, compounded annually. The government tweaks this every quarter, so it's worth keeping an eye on updates to make sure your plans stay on track.
SSY Interest Rates Chart
Rates have bounced around a bit over the years, which is normal for these schemes. I've put together a simple chart below to show the trends – it might help you see how it's evolved.
| Period | Interest Rate (% per annum) |
| Jul-Sep 2025 | 8.2% |
| Apr-Jun 2025 | 8.2% |
| Jan-Mar 2025 | 8.2% |
| Oct-Dec 2024 | 8.2% |
| Jan-Mar 2024 | 8.2% |
| Oct-Dec 2023 | 8.0% |
| Jul-Sep 2023 | 8.0% |
| Apr-Jun 2023 | 8.0% |
| Jan-Mar 2023 | 7.6% |
| Apr 2020-Dec 2022 | 7.6% |
| Jul 2019-Mar 2020 | 8.4% |
| Oct 2018-Jun 2019 | 8.5% |
Cool to see how it's been pretty steady lately, right? Higher rates in the past make you appreciate the power of starting early.
How Many Years Do You Have to Contribute to SSY?
You'll need to keep making deposits for 15 years straight from when you open the account. But here's the best part: Even after those payments stop, your money keeps growing with compound interest until the full 21-year maturity kicks in. It's like planting a seed and watching it turn into a tree – patience pays off big time!
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