8.2% p.a. - FY 2026-27EEE · Tax-free
Sukanya Samriddhi Yojana Calculator
Calculate maturity for SSY at 8.2% p.a. (FY 2026-27). EEE tax treatment - best long-term tax-free savings for a girl child.
Maturity amount (after 21 years)
₹71,82,119
Deposits 15 years + no-contribution growth for 6 years
- Total deposited (15 years)₹22,50,000
- Total interest earned₹49,32,119
- Effective annualised return8.2%
Sukanya Samriddhi enjoys EEE tax treatment. Deposits qualify for Section 123, interest is tax-free, and maturity is tax-free.
SSY at a glance
- Eligibility: Girl child below 10 years.
- Deposit period: 15 years from account opening.
- Maturity: 21 years from account opening, or on the girl child\'s marriage after 18.
- Annual deposit: ₹250 minimum, ₹1,50,000 maximum.
- Interest: 8.2% p.a. (FY 2026-27), compounded annually.
- Tax: EEE - deposits qualify for Section 123 (formerly 80C); interest is tax-free; maturity is tax-free.
- Premature withdrawal: 50% of balance allowed after the girl child turns 18 for higher education or marriage.
Statutory authority
Related calculators
FAQs
Who can open a Sukanya Samriddhi account?▾
Parents or legal guardians of a girl child below 10 years of age. Maximum 2 accounts per family (one per girl child, with an exception for twins).
What is the deposit limit?▾
Minimum ₹250/year, maximum ₹1,50,000/year. Deposits allowed for 15 years; the account matures in 21 years from opening.
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