Sukanya Samriddhi Yojana Calculator

Easily estimate your Sukanya Samriddhi Yojana investment returns with the help of the Sukanya Samriddhi Yojana calculator. To calculate the expected maturity value, just enter the yearly investment amount, child’s age, and the year you want to start the investment.

250 1,50,000
1 10

Investment term is 21 years

2015 2030
Total Invested :  ₹1,50,000
Total Interest :  ₹3,25,825
Maturity Year :  2042
Maturity Value :  ₹4,75,825

Sukanya Samriddhi Yojana (SSY) is a government-backed savings scheme, initiated in 2015 as a crucial component of the Beti Bachao, Beti Padhao campaign. This program is created to inspire parents to proactively save up for their daughter's future education and marriage, ensuring a secure financial foundation for their aspirations. The current rate of interest for Sukanya Samriddhi Yojana is 8% p.a. You may continue to deposit funds until 14 years since the account opening. The maturity period will last till the girl child is 18 years old i.e. 21 years from the date of account opening.

Formula to Calculate Sukanya Samriddhi Yojana Maturity Amount

You have the flexibility to calculate the maturity amount for Sukanya Samriddhi Yojanas using either manual calculations or by utilizing an online calculator. Below is the mathematical formula for calculating your investment in Sukanya Samriddhi Yojana Scheme :

A = P { (1 + r/n)^(nt) }


  • A = compound interest
  • P = principal amount
  • r = interest rate
  • n = number of times the interest is compounded in a year.
  • t = tenure in years


If you invest ₹50,000 every year in an Sukanya Samriddhi Yojana with annual interest rate of 8%, compounded quarterly for 15 years. Using the formula:

A = 50,000 * (1 + 0.08/4)^(4 * 15)

Calculating the value:

A ≈ ₹22,44,845/-

*Note that there is a lock-in period of 6 yrs after the investment period of 15yrs is over

So, with an annual deposit of ₹50,000 for 15 years at an 8% annual interest rate compounded quarterly, the maturity amount would be approximately ₹22.44 Lakhs-. However, this amount will continue to earn interest till the maturity period of 21 years.

How is Sukanya Samriddhi Yojana Interest Calculated?

While the SSY calculator can help you determine the interest amount earned with ease, you can also calculate the total interest earned manually.

Here is a quick formula to address the total interest amount you will pay to reap the benefits of the scheme.

Total Interest = Total Maturity Amount - Total Principal Amount


Let's consider a Sukanya Samriddhi Yojana investment of ₹50,000 every year with the fixed annual interest rate of 8% compounded quarterly for a tenure of 15 years. Using the formula:

Total Interest = Total Maturity Amount - Total Principal Amount

Total Interest = ₹22,44,845 - ₹750,000 = ₹14,94,845/-

So, the total interest earned on your Sukanya Samriddhi Yojana investment would be ₹1494845/- Remember, the total interest earned will further increase till the maturity period of 21 years.

Also, note that there is a lock-in period of 6 yrs after the investment period of 15 yrs is over, so, the amount will also grow in the lock-in period.

How to Use Sukanya Samriddhi Yojana Calculator?

In just a matter of seconds, you can easily calculate your maturity amount and the total interest accrued using the swift and user-friendly Sukanya Samriddhi Yojana calculator. Follow the provided guidelines to input the required data into the calculator.

  • Step 1: Enter the yearly deposit amount.
  • Step 2: Enter the girl child’s current age.
  • Step 3: Specify the investment start year.
  • Step 4: View the results!

How Can Sukanya Samriddhi Yojana Calculator Help You?

Sukanya Samriddhi Yojana is an excellent way to secure your girl child’s future. Using the calculator to visualise the maturity of the investment post the tenure. Check out the ways the Sukanya Samriddhi Yojana Calculator can can help you:

  • Predict Future Value: it helps you estimate how much your investments will be worth in the future.
  • Smart Financial Planning: you can set realistic savings’ goals for your child's education and marriage based on these estimations.
  • Quick and Easy: the calculator does the maths for you, saving time and effort.
  • Informed Choices: it empowers you to make wise investment decisions by providing accurate forecasts.
  • Efficiency: using the calculator is efficient and leaves you with more time to focus on your savings plan.

Advantages of Using Sukanya Samriddhi Yojana Calculator

Sukanya Samriddhi Yojana calculator is a valuable instrument for financial planning and clarity because of their many benefits. See the following list of benefits from the Sukanya Samriddhi Yojana maturity calculator:

  • Accurate Projections: it provides precise estimates of the maturity amount, helping you plan your savings effectively.
  • Informed Decision-Making: helps in making informed financial decisions for your child's future.
  • Time Savings: eliminates the need for manual calculations, saving you time and effort.
  • Goal Setting: allows you to set realistic savings goals for your child's education and marriage expenses.
  • Ease of Use: user-friendly calculator simplifies the process, making it easy for all the the maturity value as many times as needed.

Return on Sukanya Samriddhi Yojana for 15 years

The Sukanya Samriddhi Yojana offers a unique opportunity for individuals to accumulate wealth and ensure the financial well-being of the girl child. The process is not only easy but also designed to yield high upon maturity. Here’s how:

  • One can open a Sukanya Samriddhi account either in bank or in the post office.
  • The scheme has a fixed maturity period of 21 years from the date of opening the account.
  • You may choose to close it after 15 years of investment or keep it till the maturity period with no further deposits.
  • This long tenure is designed to help accumulate a substantial corpus for a girl's higher education or marriage expenses.

Refer to the table below to check the returns on SSY for an annual deposit amount ranging from ₹5,000 to ₹1,00,000 for a tenure of 15 years.

Principal Amount Tenure in years Total Interest Maturity Amount
₹5,000 15 years ₹ 1,57,670 ₹ 2,32,670
₹10,000 15 years ₹ 3,15,340 ₹4,65,340
₹20,000 15 years ₹ 6,30,679 ₹ 9,30,679
₹30,000 15 years ₹ 9,46,019 ₹ 13,96,019

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*Note that there is a lock-in period of 6 yrs after the investment period of 15 years is over

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Frequently Asked Questions

A Sukanya Samriddhi Yojana (SSY) calculator is a tool that helps you estimate the maturity amount of your child's SSY account. It works by taking into account the factors such as deposit amount, interest rate, and investment duration.

You can use a Sukanya Samriddhi Yojana calculator by entering the deposit amount, choosing the applicable interest rate, and specifying the investment duration to estimate the maturity amount for your child's savings.

The benefits of using a Sukanya Samriddhi Yojana calculator for financial planning include accurate projections of future savings, enabling informed decisions, and ensuring you are on track to meet your financial goals.

Yes, you can calculate the returns and maturity amount for your daughter's SSY account using an online calculator. There are many different SSY calculators available online, such as the ones offered by banks and financial institutions.

The formula used in a Sukanya Samriddhi Yojana calculator to estimate future returns is based on compound interest, typically using the formula A = P(1 + r/n)^(nt).

Factors like the deposit amount, interest rate, and investment duration significantly affect the calculations. Higher deposits, higher interest rates, and longer investment durations result in larger maturity amounts.

Changes in interest rates can impact the calculations for the Sukanya Samriddhi Yojana scheme. Higher interest rates lead to higher returns and maturity amounts, while lower rates result in smaller returns.