Sukanya Samriddhi Calculator
What will my daughter's account be worth?
At maturity
₹71.82L
You deposit
₹22.50L
Interest earned
₹49.32L
tax-free
Matures in
21 years
deposits for 15
The two phases that catch people out
You deposit for 15 years, but the account keeps earning until year 21. Those final 6 years with no further deposits still add ₹27.06L — which is why calculators that stop at year 15 understate the maturity badly.
Your deposits
₹1,50,000
₹250₹1.5L
8.20%
4%12%
The ₹1.5 lakh annual ceiling and the ₹250 minimum are statutory. The rate is revised quarterly by government — the default here is a recent figure, not a guarantee.
Growth to maturity
What this calculation assumes
- •Deposits run for 15 years from opening; the account matures 21 years after opening and keeps earning interest in between.
- •The full yearly deposit is made at the start of each year.
- •The interest rate is held constant. In reality the government revises it every quarter.
- •The ₹1.5 lakh annual ceiling and ₹250 minimum are statutory limits.
- •Partial withdrawal for higher education after the girl turns 18 is not modelled.
Illustrative only. These figures assume constant rates and do not predict actual returns. Markets, taxes and inflation vary. This is educational information, not financial advice — consult a SEBI-registered adviser before making investment decisions.
About this calculator
Project the Sukanya Samriddhi Yojana scheme to maturity under its contribution and withdrawal rules.