Sukanya Samriddhi Calculator
సుకన్య సమృద్ధి యోజన కాలిక్యులేటర్
What a Sukanya Samriddhi Yojana account grows to for your daughter: 15 years of deposits, maturity 21 years after opening.
మీ అమ్మాయి కోసం సుకన్య సమృద్ధి యోజన ఖాతా: 15 ఏళ్లు జమ చేస్తే, తెరిచిన 21 ఏళ్లకు వచ్చే మెచ్యూరిటీ మొత్తం.
Your result
At maturity మెచ్యూరిటీ మొత్తం
71.82 lakh rupees when she is 22
- Deposits for 15 yearsడిపాజిట్లు
- ₹22,50,000
- Interest, tax-freeవడ్డీ
- ₹49,32,119
- Maturesమెచ్యూరిటీ
- at 22
Year by year ఏడాదివారీగా
- Deposits
- Interest
Use the left and right arrow keys to read each year; the table below lists every value.
Show the year-by-year table
| Year | Her age | Value |
|---|---|---|
| 1 | 2 | ₹1,62,300 |
| 2 | 3 | ₹3,37,909 |
| 3 | 4 | ₹5,27,917 |
| 4 | 5 | ₹7,33,506 |
| 5 | 6 | ₹9,55,954 |
| 6 | 7 | ₹11,96,642 |
| 7 | 8 | ₹14,57,067 |
| 8 | 9 | ₹17,38,846 |
| 9 | 10 | ₹20,43,732 |
| 10 | 11 | ₹23,73,618 |
| 11 | 12 | ₹27,30,554 |
| 12 | 13 | ₹31,16,760 |
| 13 | 14 | ₹35,34,634 |
| 14 | 15 | ₹39,86,774 |
| 15 | 16 | ₹44,75,989 |
| 16 | 17 | ₹48,43,020 |
| 17 | 18 | ₹52,40,148 |
| 18 | 19 | ₹56,69,840 |
| 19 | 20 | ₹61,34,767 |
| 20 | 21 | ₹66,37,818 |
| 21 | 22 | ₹71,82,119 |
Last updated : Sukanya Samriddhi at 8.2% (October–December 2026). The government sets it every quarter: check the current rate at the post office or your bank.
How Sukanya Samriddhi maturity is calculated
You deposit for 15 years; the account keeps earning interest until it matures 21 years after it was opened. Interest is compounded once a year.
Balance = (last year's balance + deposit) × (1 + r), with no deposit after year 15
Example: ₹1,50,000 a year, the most allowed, at 8.2% ( October–December 2026) becomes ₹71,82,119 at maturity, of which ₹49,32,119 is interest. ₹1,000 a month (₹12,000 a year) becomes ₹5,74,570.
Sukanya Samriddhi Yojana interest rate, October–December 2026
8.2% a year, compounded yearly and tax-free. The government sets it every quarter, for every account; the calculator opens at it, and its long-term figures assume it stays the same.
Sukanya Samriddhi maturity for ₹1,000, ₹2,000 and ₹5,000 a month
₹1,000 a month for 15 years is ₹1,80,000 deposited and ₹5,74,570 when the account matures, 21 years after opening, at 8.2%.
| A month | A year | You deposit in 15 years | At maturity |
|---|---|---|---|
| ₹1,000 | ₹12,000 | ₹1,80,000 | ₹5,74,570 |
| ₹2,000 | ₹24,000 | ₹3,60,000 | ₹11,49,139 |
| ₹5,000 | ₹60,000 | ₹9,00,000 | ₹28,72,848 |
| ₹12,500 | ₹1,50,000 | ₹22,50,000 | ₹71,82,119 |
The calculator takes the year's total ("Deposit a year"), as if paid by 5 April; paid month by month, maturity is a little lower.
Sukanya Samriddhi at the post office or a bank
The scheme is the same wherever the account is opened: the same rate, limits and maturity, so this calculator works for a post office account and a bank account alike.
Good to know
- Open it at a post office or bank for a daughter under 10, with her birth certificate; one account per girl, at most two in a family (three with twins).
- Deposit by the 5th of April each year and the whole year earns interest, as the calculator assumes; paid later, maturity is a little lower. Many websites assume later deposits and show less.
- Deposits count under 80C in the old regime, and the interest and maturity are tax-free. Up to half can be taken out for her education once she turns 18.
Questions
What is the age limit for Sukanya Samriddhi?
The account must be opened before the girl turns 10. Enter her age when it opens: the calculator shows her age and the year when it matures.
How much can I deposit, and for how long?
₹250 to ₹1,50,000 a financial year, in one go or in parts, for the first 15 years. After that no deposits are made, but the balance keeps earning until year 21.
Sukanya Samriddhi or PPF?
For a daughter, Sukanya Samriddhi pays more (8.2% against PPF's 7.1% now) and is tax-free in the same way; the PPF calculator works out a PPF account for you.
సుకన్య సమృద్ధి యోజన: వడ్డీ రేటు, మెచ్యూరిటీ
సుకన్య సమృద్ధి యోజన ఖాతాను అమ్మాయికి 10 ఏళ్లు నిండేలోపు పోస్టాఫీసు లేదా బ్యాంకులో తెరవవచ్చు. ఇప్పుడు వడ్డీ 8.2% (October–December 2026). ఏటా ₹250 నుంచి ₹1,50,000 వరకు 15 ఏళ్లు జమ చేయాలి; ఖాతా తెరిచిన 21 ఏళ్లకు మెచ్యూర్ అవుతుంది.
నెలకు ₹1,000 చొప్పున కడితే మెచ్యూరిటీకి ₹5,74,570, ఏటా ₹1,50,000 కడితే ₹71,82,119 వస్తుంది. వడ్డీపై, మెచ్యూరిటీ మొత్తంపై పన్ను లేదు.
What next? తర్వాత ఏం చూడాలి
See all calculators →Results are estimates for planning, at the rates you enter. Check exact figures with your bank, fund house or tax adviser before you decide.
