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حاسبة Sukanya Samriddhi Yojana

احسب قيمة استحقاق برنامج Sukanya Samriddhi Yojana لابنتك — إيداع لمدة 15 سنة، يستحق في عمر 21، حالياً 8.2% سنوياً معفى من الضرائب.

Min ₹250, max ₹1.5 lakh per year.

Account opened any time before age 10.

Government-set, revised quarterly.

What is the Sukanya Samriddhi Yojana calculator?

The SSY calculator estimates the maturity amount of a Sukanya Samriddhi Yojana account based on your annual deposit, the girl child's current age, and the prevailing interest rate. Deposits run for 15 years; the account continues to earn interest until the girl turns 21.

Why SSY beats most child plans

8.2% tax-free compares favorably to bank child FDs (~6.5% taxable) and most insurance-linked child plans (effective return 4–6% after costs). ₹1.5 lakh/year for 15 years at 8.2% builds ~₹64 lakh by age 21 — comfortably covers higher education at IITs, IIMs, or top private universities.

SSY combined with mutual fund SIP

Most financial planners suggest splitting child savings: SSY (₹1.5 lakh/year, fixed-rate floor) + equity SIP (~₹10–15k/month, growth engine). The SIP captures higher long-term returns; SSY locks in a guaranteed corpus regardless of market conditions. The combination beats either approach alone for most families.

الأسئلة الشائعة

What is Sukanya Samriddhi Yojana (SSY)?
SSY is a small savings scheme launched by the Indian government in 2015 specifically for the girl child. Parents can open an account at any post office or authorized bank for a girl up to age 10. Deposits are made for 15 years, and the account matures when the girl turns 21.
What is the current SSY interest rate?
8.2% p.a. (FY 2025-26), among the highest among small savings schemes. Interest compounds annually and is fully tax-free at maturity. Rate is government-set and revised quarterly.
How much can I deposit in SSY?
Minimum ₹250 per year, maximum ₹1.5 lakh per year. You can deposit any amount above the minimum, up to the cap, in any number of instalments. Annual cap is across all girl child accounts in the family.
Is SSY tax-free?
Yes — fully EEE (Exempt-Exempt-Exempt) like PPF. Deposits qualify for Section 80C deduction. Annual interest is tax-free. Maturity amount is tax-free. SSY is one of only two small savings instruments with full EEE status (the other is PPF).
When can I withdraw from SSY?
Up to 50% withdrawal is allowed when the girl turns 18 — typically used for higher education. Full maturity at 21 (or earlier marriage after 18). Partial withdrawal isn't allowed before 18 except in case of death of the account holder.

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