How long do I deposit into SSY?

For 15 years from the date the account is opened. After that no more deposits are needed — the balance keeps earning interest until maturity at 21 years from opening.

Yes, it's EEE — the deposit qualifies for a Section 80C deduction, and both the interest and the maturity amount are tax-free.

How much can I deposit?

Between ₹250 and ₹1,50,000 per financial year, across one girl child's account (or two, or three in the case of twins/triplets).

Sukanya Samriddhi (SSY) Calculator

Project a Sukanya Samriddhi Yojana account for a girl child. Enter the yearly deposit and rate (8.2% for 2025); deposits run for 15 years and the balance keeps compounding until the account matures 21 years after opening. Shows the year-by-year balance.

Yearly deposit (₹)

Interest rate (% p.a.)8.2% for 2025 — the government revises it quarterly.

Girl's age at openingAccount can be opened up to age 10.

Total deposited

₹7,50,000

15 yearly deposits

Interest earned

₹16,44,040

Maturity (year 21)

₹23,94,040

Year	Deposited	Balance
1	₹50,000	₹54,100
2	₹50,000	₹1,12,636
3	₹50,000	₹1,75,972
4	₹50,000	₹2,44,502
5	₹50,000	₹3,18,651
6	₹50,000	₹3,98,881
7	₹50,000	₹4,85,689
8	₹50,000	₹5,79,615
9	₹50,000	₹6,81,244
10	₹50,000	₹7,91,206
11	₹50,000	₹9,10,185
12	₹50,000	₹10,38,920
13	₹50,000	₹11,78,211
14	₹50,000	₹13,28,925
15 · last deposit	₹50,000	₹14,91,996
16	—	₹16,14,340
17	—	₹17,46,716
18	—	₹18,89,947
19	—	₹20,44,922
20	—	₹22,12,606
21 · matures	—	₹23,94,040

Deposits run for 15 years from opening; the account keeps earning interest until it matures 21 years from opening (or on the girl's marriage after 18). SSY is EEE — the deposit qualifies for 80C, and the interest and maturity are tax-free. A partial withdrawal of up to 50% is allowed after she turns 18. Estimate only. Nothing is uploaded.

FAQ

How long do I deposit into SSY?: For 15 years from the date the account is opened. After that no more deposits are needed — the balance keeps earning interest until maturity at 21 years from opening.
Is SSY tax-free?: Yes, it's EEE — the deposit qualifies for a Section 80C deduction, and both the interest and the maturity amount are tax-free.
How much can I deposit?: Between ₹250 and ₹1,50,000 per financial year, across one girl child's account (or two, or three in the case of twins/triplets).

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