SSY Calculator
Sukanya Samriddhi Yojana — girl child plan
1 year
₹1,50,000
8.2%
Deposit window: first 15 years
Maturity: 21 years from account opening
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Maturity value at 21 years
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Total deposited (15 yrs)
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Interest earned
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Girl's age at maturity
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Wealth multiple
Best risk-free return for a girl child
SSY's 8.2% (Q1 FY25-26) beats FD, RD, PPF and most NSC options. The catch: you can't touch it until her 18th year even for emergencies. Budget only what you won't need.
Related tools
SSY vs PPF vs FD — girl child edition
- SSY @ 8.2%: highest guaranteed; 50% partial allowed at 18 for education; fully tax-free EEE
- PPF @ 7.1%: anyone's name, 15-year term, partial from year 7; EEE
- FD @ 6.5-7.5%: can break anytime but interest taxed; typically lowest net for 30% bracket
2025-26 rule check: max ₹1.5L/year per girl child, one account per girl, two girls max per family (three for twins/triplets). Account must open before the girl turns 10.