Sukanya Samriddhi calculator
8.2% a year · Backed by the Government of India · Tax-free
Maturity amount after 21 yearsAfter tax, in today's money
₹71,82,119
Tax-free: you keep all of it.₹71,82,119 after tax is worth this much at today's prices, if prices rise 5.54% a year.- You put in
- ₹22.50 L
- Interest earned
- ₹49.32 L
- Tax
- ₹0
8.20% a yearafter tax
Balance at the end of each yearBalance each year, in today's moneyYour moneyEarned
See year by year
| Year | Put in | Balance | Tax so far |
|---|---|---|---|
| 1 | ₹1,50,000 | ₹1,62,300 | ₹0 |
| 2 | ₹3,00,000 | ₹3,37,909 | ₹0 |
| 3 | ₹4,50,000 | ₹5,27,917 | ₹0 |
| 4 | ₹6,00,000 | ₹7,33,506 | ₹0 |
| 5 | ₹7,50,000 | ₹9,55,954 | ₹0 |
| 6 | ₹9,00,000 | ₹11,96,642 | ₹0 |
| 7 | ₹10,50,000 | ₹14,57,067 | ₹0 |
| 8 | ₹12,00,000 | ₹17,38,846 | ₹0 |
| 9 | ₹13,50,000 | ₹20,43,732 | ₹0 |
| 10 | ₹15,00,000 | ₹23,73,618 | ₹0 |
| 11 | ₹16,50,000 | ₹27,30,554 | ₹0 |
| 12 | ₹18,00,000 | ₹31,16,760 | ₹0 |
| 13 | ₹19,50,000 | ₹35,34,634 | ₹0 |
| 14 | ₹21,00,000 | ₹39,86,774 | ₹0 |
| 15 | ₹22,50,000 | ₹44,75,989 | ₹0 |
| 16 | ₹22,50,000 | ₹48,43,020 | ₹0 |
| 17 | ₹22,50,000 | ₹52,40,148 | ₹0 |
| 18 | ₹22,50,000 | ₹56,69,840 | ₹0 |
| 19 | ₹22,50,000 | ₹61,34,767 | ₹0 |
| 20 | ₹22,50,000 | ₹66,37,818 | ₹0 |
| 21 | ₹22,50,000 | ₹71,82,119 | ₹0 |
How the Sukanya Samriddhi rate has changed
Sukanya Samriddhi pays 8.2% today, unchanged since January 2024. Since it began in December 2014, it has ranged from 7.6% (2020–2023) to 9.2% (2015–2016).
- A new rate applies to your whole balance from the quarter it starts. The calculator assumes 8.2% for every year; the chart shows how much that has moved.
See every rate change (12)
| Period | Rate a year |
|---|---|
| Jan 2024 – now | 8.2% |
| Apr 2023 – Dec 2023 | 8% |
| Apr 2020 – Mar 2023 | 7.6% |
| Jul 2019 – Mar 2020 | 8.4% |
| Oct 2018 – Jun 2019 | 8.5% |
| Jan 2018 – Sep 2018 | 8.1% |
| Jul 2017 – Dec 2017 | 8.3% |
| Apr 2017 – Jun 2017 | 8.4% |
| Oct 2016 – Mar 2017 | 8.5% |
| Apr 2016 – Sep 2016 | 8.6% |
| Apr 2015 – Mar 2016 | 9.2% |
| Dec 2014 – Mar 2015 | 9.1% |
Source: National Savings Institute, Ministry of Finance, rates since launch; Oct–Dec 2026 from the Ministry's latest notice.
Good to know
- Only for a girl child under 10. A parent or guardian opens it; up to two girls per family.
- Deposits are made for 15 years. The money keeps earning interest until the account matures 21 years after opening.
- Like PPF, interest is counted on the lowest balance between the 5th and the month end, and it's tax-free.
- Up to 50% can be taken out for her education once she turns 18.