Maturity value, interest and year-by-year growth.
Depositing ₹12,500 a month (₹1,50,000 a year) in Sukanya Samriddhi Yojana for 15 years at 8.2% gives a maturity amount of about ₹71,82,119 after 21 years — completely tax-free.
Assumes the yearly amount is deposited at the start of each financial year. The SSY rate is set by the government each quarter (8.2% at the time of writing).
| SSY rate | Maturity amount |
|---|---|
| 7.6% | ₹65,93,071 |
| 8% | ₹69,80,093 |
| 8.2% | ₹71,82,119 |
| 8.5% | ₹74,96,270 |
| Year | Deposit | Interest | Balance |
|---|---|---|---|
| 1 | ₹1,50,000 | ₹12,300 | ₹1,62,300 |
| 2 | ₹1,50,000 | ₹25,609 | ₹3,37,909 |
| 3 | ₹1,50,000 | ₹40,009 | ₹5,27,917 |
| 4 | ₹1,50,000 | ₹55,589 | ₹7,33,506 |
| 5 | ₹1,50,000 | ₹72,448 | ₹9,55,954 |
| 6 | ₹1,50,000 | ₹90,688 | ₹11,96,642 |
| 7 | ₹1,50,000 | ₹1,10,425 | ₹14,57,067 |
| 8 | ₹1,50,000 | ₹1,31,779 | ₹17,38,846 |
| 9 | ₹1,50,000 | ₹1,54,885 | ₹20,43,732 |
| 10 | ₹1,50,000 | ₹1,79,886 | ₹23,73,618 |
| 11 | ₹1,50,000 | ₹2,06,937 | ₹27,30,554 |
| 12 | ₹1,50,000 | ₹2,36,205 | ₹31,16,760 |
| 13 | ₹1,50,000 | ₹2,67,874 | ₹35,34,634 |
| 14 | ₹1,50,000 | ₹3,02,140 | ₹39,86,774 |
| 15 | ₹1,50,000 | ₹3,39,215 | ₹44,75,989 |
| 16 | — | ₹3,67,031 | ₹48,43,020 |
| 17 | — | ₹3,97,128 | ₹52,40,148 |
| 18 | — | ₹4,29,692 | ₹56,69,840 |
| 19 | — | ₹4,64,927 | ₹61,34,767 |
| 20 | — | ₹5,03,051 | ₹66,37,818 |
| 21 | — | ₹5,44,301 | ₹71,82,119 |
At 8.2%, depositing ₹12,500 a month for 15 years gives about ₹71,82,119 at maturity after 21 years, on total deposits of ₹22,50,000.
No. SSY has EEE status: deposits qualify for 80C (old regime), and both the interest and the maturity amount are tax-free.