Sukanya Samriddhi Calculator
Calculate Sukanya Samriddhi Yojana maturity amount and tax benefits for your daughter's future
👧 Sample Scenarios:
👧 SSY Key Features:
- 🎯 Target: Girl child education & marriage
- 💰 Tax Free: EEE status (80C + tax-free maturity)
- 📅 Maturity: 21 years from account opening
- 🏛️ Government: 100% safe, backed by GoI
- 💸 Partial Withdrawal: 50% after 18 years
📈 SSY Rate History
2024: 8.2%
2023: 8.0%
2022: 7.6%
2021: 7.6%
2020: 7.6%
2019: 8.4%
*Rates reviewed quarterly by government
Sukanya Samriddhi Yojana Features
✅ SSY Advantages
- 👧 Girl Child Focus: Dedicated scheme for daughters
- 🛡️ Government Guarantee: 100% safe investment
- 💰 Triple Tax Benefit: 80C deduction + tax-free growth + tax-free maturity
- 📈 Higher Returns: Better than PPF and bank FDs
- 💸 Partial Withdrawal: 50% available after 18 years
- 🎓 Education Focus: For higher education expenses
⚠️ SSY Limitations
- 👧 Gender Specific: Only for girl children
- 🎂 Age Limit: Must open before age 10
- 🔒 Long Lock-in: 21 years from account opening
- 💵 Contribution Limit: 15 years only
- 🏦 Limited Accounts: Max 2 accounts per family
- 📉 Rate Risk: Government can change rates
🎯 SSY Rules & Guidelines
Eligibility: Girl child aged 0-10 years
Account Limit: Max 2 per family (twins exception)
Deposit Period: 15 years from opening
Maturity: 21 years from account opening
Transfer: Can be transferred anywhere in India
Closure: Premature closure after 5 years
💡 SSY Strategy Tips
- 🎯 Start Early: Open account as soon as possible
- 💰 Maximum Deposit: Invest ₹1.5L annually if possible
- 📅 Timing: Deposit before March 31st for tax benefits
- 🏦 Bank Choice: Open in reputable bank/post office
- 📝 Documentation: Keep all documents safe
- 🎓 Planning: Plan for education and marriage expenses