What is the SSY interest rate for 2026 in India?

The Government of India has fixed the Sukanya Samriddhi Yojana (SSY) interest rate at 8.2% per annum, compounded annually.

What is the deposit period and maturity tenure for SSY?

Deposits must be made for 15 years from the date of opening the account. The account matures after 21 years, earning compound interest without additional deposits between years 16 and 21.

Statutory 8.2% Sovereign Girl Child Scheme

Sukanya Samriddhi Yojana (SSY) Calculator

Calculate your daughter's 21-year maturity corpus with statutory 8.2% sovereign interest and 100% tax-free EEE benefits.

SSY Investment Parameters

Yearly Deposit Amount (₹)₹1,50,000

Statutory limits: Min ₹250/yr, Max ₹1,50,000/yr under Section 80C.

Girl Child Current Age1 Year Old

SSY account can be opened anytime before the girl child turns 10.

Govt Interest Rate (% p.a.)8.2%

EEE Tax Status: Deposits qualify for Section 80C deduction, annual interest is tax-exempt, and final maturity withdrawal is 100% tax-free.

21-Year Maturity Corpus (Age 22)

₹71,82,127

15 years of deposits + 6 years of pure sovereign compounding.

Total Principal (15 Yrs)₹22,50,000

Sovereign Interest Earned+₹49,32,127

Maturity Value₹71,82,127

Total Principal Deposited (15 Yrs)

₹22,50,00031%

Sovereign Interest Earned (21 Yrs)

₹49,32,12769%

Higher Education Planning

Plan Higher Education with Child Education SIP

Calculate the mutual fund SIP needed for international or top Indian college tuition.

Child Education Goal

Ministry of Finance Rules: Small savings rates are reviewed quarterly by the Ministry of Finance. Partial withdrawal up to 50% of the balance at the end of the preceding financial year is permitted once the girl child turns 18 for higher education.