SSY Contribution Planner
Plan your annual Sukanya Samriddhi Yojana (SSY) contributions to see how they build up toward your maturity goal.
- Free to use
- Accurate results
- No registration required
- Works on all devices
Your result
₹71,82,119.17
Projected maturity amount
AI explanation
Formula
Deposits made for 15 years, compounded annually at the SSY rate, with the balance compounding further (no more deposits) until maturity 21 years after account opening.Worked example
₹1,50,000/year, girl currently age 1
| Field | Value |
|---|---|
| Planned annual deposit | 150000 |
| Girl's current age (years) | 1 |
| Total to be deposited (15 years) | 2250000 |
Assumptions
- SSY interest rate is 8.2% p.a., compounded annually — the rate notified for the Jul-Sep 2026 quarter, revised quarterly by the Ministry of Finance.
- Assumes the same annual deposit amount is maintained consistently for all 15 years of the deposit period.
- Deposits qualify for Section 80C deduction (within the ₹1.5 lakh overall limit), and the maturity amount is entirely tax-free (EEE status).
Frequently asked questions
What is the maximum I can plan to contribute annually?
₹1,50,000 per financial year is the maximum allowed under SSY rules — contributing the full amount every year for 15 years maximizes the compounding benefit.
Can I change my contribution amount each year?
Yes — SSY doesn't require a fixed amount each year, as long as you deposit at least ₹250 and no more than ₹1,50,000 in any financial year. This planner assumes a constant amount for simplicity.
What if I can't reach the ₹1,50,000 maximum every year?
That's fine — even smaller consistent contributions compound significantly over 21 years. Use this planner with your realistic annual amount to see a more accurate projection.
Related calculators
Sources
- Sukanya Samriddhi Account Scheme — contribution rules and current interest rate — Ministry of Finance, Government of India. Effective 22-01-2015, reviewed 13-09-2026.
This is a projection based on the current SSY interest rate remaining constant, which is unlikely — rates are revised quarterly by the Ministry of Finance. Not personalized financial advice.
Report a calculation issue