Sukanya samriddhi yojana calculator

The scheme takes deposits for 15 financial years and matures 21 years after opening. Interest is worked out every month on the lowest balance between the 5th and month end, credited once a year, which is why a deposit placed by 5 April earns a full year and one left to 31 March earns nothing that year. Once the girl turns 18 she may withdraw up to half the balance; the table marks that year.

What this does not do: it holds one rate flat for 21 years, but the real SSY rate resets every quarter (8.2 percent is the rate for the October to December 2026 quarter, per the Ministry of Finance announcement of 30 September 2026, shown by the National Savings Institute), so the final figure is an estimate, not a guarantee. Tax treatment is not modelled and defaults, penalties for missing a year's minimum deposit, and premature closure rules are out of scope.