SSY Calculator — India
Estimate maturity for a Sukanya Samriddhi Yojana account with annual deposits for up to 15 years and interest accrual until maturity.
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Enter assumptions that fit your investment scenario.
Sample inputs to see how the calculator works
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Complete the fields above to see your result. You can change any value at any time.
Calculation methodology
The projection assumes one annual deposit is made before 5 April each contribution year, so that deposit is included in the year's interest calculation. It compounds the entered rate through the fixed 21-year maturity model; the calculator does not model eligibility, missed deposits, premature closure or withdrawals.
Important assumptions
- Results are estimates based on the values you enter.
- Rates and returns are assumed for the projection period and may change in real life.
- Taxes, fees, market conditions and provider-specific rules may affect actual outcomes.
India scheme source
The default rate reflects the current Q3 FY 2026-27 small-savings rate, but the rate is editable. The projection assumes annual deposits before 5 April during the contribution period and a 21-year maturity; eligibility and account-specific events are not modeled.
Sources checked October 2, 2026. Rates and scheme terms are not live-updated.
SSY Calculator Guide
What Is an SSY Calculator?
A Sukanya Samriddhi Yojana (SSY) calculator estimates how annual deposits and an entered interest-rate assumption may grow until the scheme's 21-year maturity point. It shows the projected balance, total deposits and estimated interest under the model.
SSY is an India-specific small-savings scheme with eligibility, deposit and withdrawal rules. This calculator is a planning estimate; it does not check account eligibility or confirm an account's official balance.
How to Use the SSY Calculator
Enter the annual deposit, the annual interest-rate assumption and the number of years you plan to deposit. The calculator models deposits for up to 15 years and then projects the balance through year 21.
Compare scenarios by changing one input at a time. The annual deposit must remain within the scheme's applicable minimum and maximum limits; verify the current rules and deadlines before depositing.
How SSY Interest Is Estimated
The model applies the annual rate you enter to the projected balance as each year advances. It assumes each annual deposit is made before 5 April, allowing that deposit to qualify for interest for the full contribution year in this simplified projection.
The rate is an editable assumption, not a live feed or a guarantee. Actual credited interest depends on the notified rate, account transactions and applicable scheme rules. Check current official guidance before relying on an estimate.
SSY Contribution Period and 21-Year Maturity
This calculator accepts deposits for up to 15 years and continues the projection to year 21. The maturity value shown is the modelled balance at that point, not confirmation of the account's actual maturity date or eligibility.
Account opening date, beneficiary eligibility and account-specific events can affect how the scheme applies. Confirm the dates and conditions for the actual account with official guidance.
SSY Example: Compare Annual Deposits
Enter an annual deposit and compare different contribution periods. Total invested is the annual deposit multiplied by the number of contribution years; the difference between the projected maturity value and total invested is the estimated interest under the model.
Try a lower and a higher rate assumption to understand how sensitive the projection is. These scenarios are illustrations, not promised maturity amounts or personalised savings recommendations.
What This SSY Estimate Does Not Include
The projection does not verify eligibility, model account-specific transactions or determine whether a withdrawal is permitted. It also does not calculate personal tax treatment or confirm the exact maturity amount payable by the account provider.
Use the result as a planning aid and check current official scheme rules, deposit limits, interest rates, maturity conditions and tax guidance before acting.
This is an estimate, not an official maturity quote. Verify current rates, deposit deadlines, eligibility and scheme rules with official guidance.
How does an SSY calculator estimate maturity?
It models annual deposits for up to 15 years and projects the balance through year 21 using the interest-rate assumption you enter. The result depends on deposit amount, timing, rate and contribution period.
What SSY interest rate should I enter?
Use the official rate applicable to the account and period you want to model. Rates can change, and this calculator does not automatically update them; verify the current rate with official guidance.
For how many years can I deposit into SSY?
The calculator models annual deposits for up to 15 years and then continues the projection to year 21. Confirm the contribution and maturity rules that apply to the actual account.
Can I withdraw money from SSY before maturity?
Withdrawals and premature closure are subject to scheme conditions and eligibility rules. This calculator does not model withdrawals, so verify the current official rules for the account.
Is the SSY maturity amount guaranteed to match this result?
No. This is a projection using your inputs and the stated deposit-timing assumption. Official rates, account transactions and scheme rules determine the actual balance.
How much can I deposit in SSY each year?
The scheme has minimum and maximum annual deposit limits. This calculator validates the amount range shown in its inputs, but you should confirm the current official limits and account rules before depositing.
Why does the date of an SSY deposit matter?
The model assumes each annual deposit is made before 5 April so it qualifies for a full year of interest in the projection. Actual credited interest follows the applicable rules and account transactions.
When does an SSY account mature?
The model projects a balance at year 21, but it does not verify the account opening date or calculate an account-specific maturity date. Check official scheme guidance for the applicable date and conditions.
Does the SSY calculator check eligibility for a girl child?
No. It estimates savings growth only and does not check beneficiary eligibility, account-opening conditions or account-specific status. Confirm eligibility and documentation requirements through official guidance.
Does this calculator include SSY tax benefits?
No. It estimates balance growth and does not determine personal tax treatment. Check current official tax guidance or consult a qualified tax professional.
Educational estimate only. Not investment, tax or legal advice. Please verify current rates, slabs, taxes, fees and rules before making a financial decision.