Sukanya Samriddhi Yojana Calculator India
See what a Sukanya Samriddhi account matures to, and at what age the girl it was opened for receives it.
Sukanya Samriddhi Yojana Calculator
Maturity amount
₹71,82,119.17
that is about 71.82 lakh
- Total deposited₹22,50,000.00
- Interest earned₹49,32,119.17
- Girl's age at maturity26
Works out in your browser. Nothing you type is sent anywhere.
In short: Sukanya Samriddhi Yojana Calculator
Depositing ₹1,50,000 a year at 8.2% grows to ₹71,82,119.17 by maturity, of which ₹22,50,000.00 is deposits and ₹49,32,119.17 is interest. Opened at age 5, the account matures when she is 26. Interest keeps accruing for the years after the deposits stop.
What is Sukanya Samriddhi Yojana?
Sukanya Samriddhi Yojana is a government savings scheme for a girl child, taking deposits for the first fifteen years and maturing in the twenty-first.
How is Sukanya Samriddhi Yojana calculated?
A deposit is added each year for the deposit period and the balance earns a year's interest. After the deposit years end, no more money goes in but the balance keeps earning until the account matures, which is why the final years add so much.
- balancethe running balance in the account
- Dthe amount deposited that year, during the deposit years only
- rthe yearly rate notified for the scheme, as a decimal
A worked example
| Yearly deposit | ₹1,50,000 |
|---|---|
| Interest rate (% a year) | 8.2% |
| Girl's age at opening | 5 |
| Result | |
| Maturity amount | ₹71,82,119.17 |
| Total deposited | ₹22,50,000.00 |
| Interest earned | ₹49,32,119.17 |
| Girl's age at maturity | 26 |
Every figure in this table is produced by the same calculation the tool above runs.
How to use this sukanya samriddhi yojana calculator
- Enter the amount you will deposit each year.
- Leave the rate at the notified figure unless you are testing a change.
- Enter the girl's age when the account was or will be opened.
- Read the maturity amount and the age at which it is payable.
Questions people ask
Until what age can an account be opened?
An account can be opened any time before the girl turns 10, and only one account is allowed per girl. Opening it early matters, because the maturity date is fixed from the opening and an early start means more years of interest. The scheme rules in the sources below set the conditions.
How long do I have to keep depositing?
Deposits are required for the first fifteen years, after which the account continues to earn interest without further deposits until it matures in the twenty-first year. There is a small minimum each year to keep the account active. Missing it can make the account irregular until a penalty is paid.
Can the money be withdrawn early?
A partial withdrawal is allowed once the girl turns eighteen or passes the tenth standard, within a limit set by the rules, and is intended for education. Closure before maturity is permitted only in specific circumstances such as marriage after eighteen. Check the current rules before planning around either.
How does it compare with PPF?
The rate on this scheme has usually been a little higher than PPF, and both are free of tax at every stage. PPF is flexible about who it is for and when it matures, while this account is tied to one girl and one date. Many families run both.
Accuracy and sources
Where the figures come from
Estimate only. Not financial or tax advice.
This is an independent tool. It is not run by, endorsed by or connected to any government department.
Checked by the Daytoolz team on 16 October 2026. How we check our tools.
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