Sukanya Samriddhi Yojana — ₹12,500/month (max ₹1.5L/year) Deposit
Investing ₹12,500/month (max ₹1.5L/year) (₹1,50,000/year) in SSY at 8.2% for 15 years: maturity value at age 21 = ₹71,82,119. Total deposited: ₹22,50,000, total interest earned: ₹49,32,119.
Total Deposited
₹22,50,000
15 years of deposits
Interest Earned
₹34,19,840
Maturity at Age 21
₹56,69,840
SSY rate: 8.2% p.a. compounded annually (Q1 FY 2026-27). Deposits for 15 years, maturity at girl's age 21. Min ₹250/year, max ₹1.5L/year. Interest fully tax-free under Section 80C.
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Calculated with CalcHub
Common questions about Sukanya Samriddhi Yojana — ₹12,500/month (max ₹1.5L/year) Deposit
What is the maturity amount for SSY with ₹12,500/month (max ₹1.5L/year) monthly deposit?
At ₹12,500/month (max ₹1.5L/year)/month (₹1,50,000/year) deposited for 15 years at 8.2%, the SSY maturity amount at the daughter's age 21 is ₹71,82,119. Total amount deposited: ₹22,50,000. Interest earned: ₹49,32,119.
Is Sukanya Samriddhi Yojana better than PPF for a girl child?
SSY offers 8.2% vs PPF at 7.1%, giving a higher return. Both are EEE tax-free. SSY has a higher lock-in (until age 21) and lower contribution flexibility. For a girl child, SSY is typically the better choice when started early for the higher rate benefit.
What happens to SSY if I miss a year of deposits?
SSY accounts require a minimum deposit of ₹250/year. If no deposit is made, the account becomes "default" and can be reactivated by paying ₹50 penalty per year of default plus the minimum ₹250. The account continues to earn interest even in default status.