Sukanya Samriddhi Account Calculator
Estimate the maturity value of a Sukanya Samriddhi Account at the current official rate.
Official rate effective 01.07.2026 to 30.09.2026 — rates are set by India Post and revised quarterly. Figures are estimates for general planning only — see the explanation below for this scheme's specific assumptions.
if you contribute ₹1,50,000 a year to a Sukanya Samriddhi Account at the current 8.2% rate for 15 years, it grows to about ₹71,82,119 by maturity — ₹49,32,119 in interest. Compare this against PPF, which does not have the same age-based eligibility rules
What is a Sukanya Samriddhi Account?
A long-term savings scheme for a girl child, opened by a parent or guardian, carrying one of the highest official small-savings rates. Contributions are made for 15 years, and the account matures 21 years after opening — so the balance keeps compounding for 6 more years after contributions stop, which this calculator models as two phases: 15 years of contributions, then 6 years of pure growth.
What this simplifies — read this before relying on the number
The real scheme has eligibility rules this calculator does not check: the account must be opened before the girl turns 10, and only one account is allowed per girl child (two per family, with an exception for twins). This shows the maturity math assuming a full, uninterrupted 15-year contribution period starting from account opening — it does not verify or model eligibility.
Frequently asked questions
Why does the account keep growing after I stop contributing at year 15?
Because the account doesn’t mature until the girl turns 21 — contributions stop after 15 years, but the balance you’ve built up keeps earning interest for the remaining years until maturity, which is why this calculator models it as two phases.
Does this calculator check if I’m eligible to open an SSA?
No — the real scheme requires the account to be opened before the girl turns 10, among other rules. This calculator only computes the maturity math for a full 15-year contribution period; it doesn’t verify eligibility.
Common questions answered
- What is the maturity value of ₹8,000 a year in SSA?
- How much does a ₹50,000 yearly SSA contribution grow to?
- How much does ₹15,000 a year in Sukanya Samriddhi grow to?
- How much does ₹90,000 a year in Sukanya Samriddhi grow to?
- How much does a ₹20,000 yearly Sukanya Samriddhi contribution grow to?
- How much does a ₹12,000 yearly Sukanya Samriddhi contribution grow to by maturity?
- How much does ₹5,000 a month (₹60,000/year) in SSA grow to?
- What does ₹10,000 a year in SSA become by maturity?
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