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Sukanya Samriddhi Yojana (SSY) Calculator 2026

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Sukanya Samriddhi Yojana Calculator se aap apni beti ke naam khole gaye SSY account ka maturity value calculate kar sakte hain. Current interest rate 8.2% hai (Jul-Sep 2026 quarter ke liye confirmed, unchanged). Ye government-backed scheme hai jisme deposit, interest aur maturity teeno tax-free hain (EEE status, Section 80C - Income Tax Act 2025 me Section 123).

Sukanya Samriddhi Yojana Calculator

Formula: Maturity Value = Yearly compounding on deposits made for first 15 years from account opening; account matures 21 years from opening (ya beti ki shaadi 18+ age me, jo pehle ho). Min ₹250/year, Max ₹1,50,000/year deposit.

Example

Agar 5 saal ki beti ke naam SSY account khol kar ₹50,000/year deposit karte hain 8.2% rate pe 15 saal tak, to account 21 years (beti ki age 26) me mature hoga aur approx ₹18-19 Lakh ka corpus milega, jisme se ₹7,50,000 aapka deposit hoga aur baaki compound interest.

Sukanya Samriddhi Yojana Ke Fayde

FeatureDetails
Tax BenefitEEE status - Deposit, Interest aur Maturity teeno tax-free (Section 80C)
Government Backed100% safe, government guarantee ke sath
Eligibility10 saal se kam umar ki beti ke naam par, max 2 beti ke liye (twins me exception)
Partial Withdrawal18 saal ki age ke baad 50% tak withdrawal higher education ke liye allowed hai

FAQ

Q1: SSY account kaun khol sakta hai?
10 saal se kam umar ki beti ke maa-baap ya legal guardian SSY account khol sakte hain, ek family me max 2 beti ke liye (twin/triplet girls me exception hai).
Q2: Deposit kitne saal tak karna hota hai?
Account opening se 15 saal tak deposit karna hota hai, uske baad account 21 saal (opening se) tak sirf interest earn karta rehta hai bina naye deposit ke.
Q3: Kya beech me paisa nikal sakte hain?
Beti ki 18 saal age ke baad higher education ke liye balance ka 50% tak partial withdrawal allowed hai. Poora withdrawal maturity (21 years) ya beti ki shaadi (18+ age) ke time hota hai.
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