通过有纪律的长期计划积累财富的家庭。
Sukanya Samriddhi Yojana Calculator
Calculate your Sukanya Samriddhi Yojana maturity value, interest earned, and tax savings under Section 80C. See year-by-year growth, partial withdrawal for education at 18, and growth-only period bonus. Current rate: 8.2% p.a.
计算方法说明 - 方法论、公式及来源SSY 到期金额
₹71,82,119
3.2× your deposits - 100% tax-free (EEE)
Depositing ₹1,50,000/year for 15 years at 8.2%. Account matures in 21 years (when she turns 22).
Your daughter will have ₹71.8L when she turns 22
You deposit ₹22,50,000 over 15 years. The scheme adds ₹49,32,119 in interest.
总存入金额
₹22,50,000
₹1,50,000/yr × 15 years
利息收入
₹49,32,119
69% of maturity
到期时构成
Growth-Only Bonus (Years 16–21)
After deposits stop at year 15, your balance continues earning interest for 6 more years.
Compounding is powerful
69% of your maturity is interest - the scheme is doing the heavy lifting.
节税额（第 80C 条 - 旧税制）
SSY has EEE status: deposits get 80C deduction, interest is tax-free, and maturity is tax-free.
部分提取（教育用途）
Eligible from year 17 (when your daughter turns 18 or passes 10th standard).
Up to ₹24,21,510 can be withdrawn (50% of previous year's balance) for higher education expenses.
One withdrawal per year, in lump sum or up to 5 annual installments. Tax-free.
SSY Balance Growth
| Year | Interest | Balance |
|---|---|---|
| 1 | ₹12,300 | ₹1,62,300 |
| 2 | ₹25,609 | ₹3,37,909 |
| 3 | ₹40,009 | ₹5,27,917 |
| 4 | ₹55,589 | ₹7,33,506 |
| 5 | ₹72,448 | ₹9,55,954 |
| 6 | ₹90,688 | ₹11,96,642 |
| 7 | ₹1,10,425 | ₹14,57,067 |
| 8 | ₹1,31,779 | ₹17,38,846 |
| 9 | ₹1,54,885 | ₹20,43,732 |
| 10 | ₹1,79,886 | ₹23,73,618 |
| 11 | ₹2,06,937 | ₹27,30,554 |
| 12 | ₹2,36,205 | ₹31,16,760 |
| 13 | ₹2,67,874 | ₹35,34,634 |
| 14 | ₹3,02,140 | ₹39,86,774 |
| 15 | ₹3,39,215 | ₹44,75,989 |
| 16 | ₹3,67,031 | ₹48,43,020 |
| 17 | ₹3,97,128 | ₹52,40,148 |
| 18 | ₹4,29,692 | ₹56,69,840 |
| 19 | ₹4,64,927 | ₹61,34,767 |
| 20 | ₹5,03,051 | ₹66,37,818 |
| 21 | ₹5,44,301 | ₹71,82,119 |
SSY rules: Deposits for 15 years, account matures in 21 years (interest keeps growing for 6 years after last deposit). Min deposit ₹250/year, max ₹1,50,000/year. Penalty of ₹50/year for missed deposits. Interest rate is set by the government and revised quarterly - currently 8.2% p.a. One account per girl child, max 2 accounts per family. Girl must be under 10 at the time of account opening. Premature closure allowed for marriage (after 18) or medical emergency.