Sukanya Samriddhi Calculator
What a Sukanya Samriddhi account for a daughter grows to at maturity after 21 years, from yearly deposits for 15 years at the current rate.
Result
Balance at maturity, after 21 years: ₹71,82,127.00Estimate
Assumes today’s rate for all 21 years. The rate is reset each quarter.
- Balance after 15 years, when deposits stop
- ₹44,75,994.00Estimate
- Total deposited
- ₹22,50,000.00Estimate
- Total interest
- ₹49,32,127.00Estimate
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Results are arithmetic on the returns, rates and horizons you enter, not a forecast and not investment, tax or retirement advice. The site supplies no expected return, inflation rate, contribution limit, tax rate or withdrawal rate. Real returns vary from year to year, and fees, taxes and the order of returns all change the outcome. Check anything that matters with a qualified adviser. Read the full disclaimer
How to use the Sukanya Samriddhi Calculator
- Enter how much you will deposit each financial year, from ₹250 to ₹1,50,000.
- Read the balance at maturity, 21 years after opening, and the balance after 15 years, when deposits stop.
- The rate is under More options if you want to see the effect of a different one.
Fifteen years in, twenty-one years out
The scheme has two clocks. Deposits are made for the first 15 years. The account matures at 21. For the last six years the balance grows on interest alone, compounding once a year at the scheme rate. That is where much of the final balance comes from.
years 1 to 15 balance = (balance + deposit by 5 April) grown by a year's interestyears 16 to 21 balance = balance grown by a year's interestinterest monthly at rate ÷ 12, added each 31 March, rounded to the rupeeThe rate
The Government reviews small-savings rates every quarter. For October to December 2026 the Sukanya Samriddhi rate is 8.2%, unchanged since January 2024. The page uses today’s rate for all 21 years. A rate cut or rise along the way would change the maturity amount, so treat it as an estimate.
With your numbers
- Deposits for 15 years; the balance keeps earning interest until the account is 21 years old
- Interest is worked out monthly and added each 31 March, rounded to the rupee
Quick reference
Assumes today’s rate for all 21 years. The rate is reset each quarter.
| Example | Balance at maturity, after 21 years |
|---|---|
| ₹1,50,000 a year | ₹71,82,127.00 |
| ₹1,00,000 a year | ₹47,88,077.00 |
| ₹50,000 a year | ₹23,94,036.00 |
| ₹24,000 a year | ₹11,49,138.00 |
| ₹12,000 a year | ₹5,74,568.00 |
| ₹250 a year | ₹11,974.00 |
Where the numbers come from
The fixed figures this calculator relies on, and the published source each one was checked against. How the calculators are built and checked
5 sources
DEA Office Memorandum F.No.1/4/2019-NS of 30.09.2026, rates for 1.10.2026 to 31.12.2026 "shall remain unchanged" from the second quarter, https://dea.gov.in/files/budget_division_documents/R.pdf, carrying the rate table of the OM of 29.12.2023, https://dea.gov.in/files/budget_division_documents/Q4_2023_24.pdf: "Sukanya Samriddhi Account Scheme 8.2"
Used for
- Sukanya Samriddhi Account interest rate, October to December 2026.
Sukanya Samriddhi Account Scheme, 2019, para 4(1): "minimum initial deposit of two hundred and fifty rupees", https://www.nsiindia.gov.in/InternalPage.aspx?Id_Pk=171
Used for
- Sukanya Samriddhi: least that must be deposited in a financial year.
Sukanya Samriddhi Account Scheme, 2019, para 4(2): "shall not exceed one lakh fifty thousand rupees in a financial year", https://www.nsiindia.gov.in/InternalPage.aspx?Id_Pk=171
Used for
- Sukanya Samriddhi: most that may be deposited in a financial year.
Sukanya Samriddhi Account Scheme, 2019, para 4(3), https://www.nsiindia.gov.in/InternalPage.aspx?Id_Pk=171
Used for
- Sukanya Samriddhi: deposits are made for fifteen years from opening.
Sukanya Samriddhi Account Scheme, 2019, para 9(1), https://www.nsiindia.gov.in/InternalPage.aspx?Id_Pk=171
Used for
- Sukanya Samriddhi: the account matures twenty-one years from opening.
Common questions about the Sukanya Samriddhi Calculator
- Who can open a Sukanya Samriddhi account?
- A parent or guardian of a girl under 10, at a post office or an authorised bank. One account per girl, and at most two accounts in a family, or three where the second birth is twins or triplets.
- How long do I have to keep depositing?
- For 15 years from the date of opening. After that no deposits are needed, but the balance keeps earning interest at the scheme rate until the account matures, 21 years from opening. The page shows both balances.
- How is the interest worked out?
- Each month earns a twelfth of the yearly rate on the lowest balance between the close of the 5th and the end of the month. The interest is added at the end of each financial year and rounded to the nearest rupee. Depositing by 5 April gives the year's deposit a full year of interest, which the page assumes.
- Can money come out before 21 years?
- Up to half of the balance at the end of the previous year can be withdrawn for her education once she turns 18 or passes class 10. The account can also be closed when she marries after turning 18. The page assumes the account runs the full 21 years.
- Is it tax-free?
- Deposits count toward the savings deduction under the old tax regime, and the interest and maturity amount are exempt from tax.