Govt schemes
Sukanya Samriddhi Calculator
Girl-child savings maturity at 21 years.
How to use this
Adjust the sliders and the result updates instantly. The figure uses standard formulas and current FY 2025-26 rates — treat it as an estimate to compare your options, then confirm the exact terms with your bank, fund or the department.
Maturity (21 yr)
₹71.82L
Invested₹22.5L
Interest₹49.32L
Depositing ₹1,50,000/year for 15 years at 8.2% matures tax-free to ₹71,82,119 at year 21.
Partner offer
Open a Sukanya Samriddhi account
For your daughter under 10.
Know the scheme: Sukanya Samriddhi Yojana (SSY)
| Interest rate | 8.2% p.a., compounded annually |
| Who can open | Parent/guardian of a girl child below 10 years (max 2 accounts per family) |
| Deposit period | 15 years from opening; account matures 21 years from opening |
| Deposit | ₹250 min – ₹1.5 lakh max per financial year |
| Tax benefit | Section 80C on deposits; interest and maturity tax-free (EEE) |
| Where to open | Post offices and authorised banks |
Key rules
- The girl operates the account herself after turning 18; the guardian operates it until then.
- Partial withdrawal of up to 50% of the balance is allowed after she turns 18, for higher education or marriage.
- The account can be closed early on compassionate grounds (severe illness, death of guardian) with documentation.
- Missed years can be revived with ₹250 per year plus a ₹50 default fee.
Frequently asked
Who can open a Sukanya Samriddhi account?
A parent or guardian of a girl child under 10. Deposits qualify for Section 80C and the maturity amount is tax-free.
Is the Sukanya Samriddhi Calculator free to use?
Yes — every Arthly calculator is free, with no sign-up or app install required.
How accurate is the Sukanya Samriddhi Calculator?
It uses standard financial formulas and current FY 2025-26 rates. Results are estimates to help you plan, not personalised financial advice — confirm details with your bank, fund or the relevant department.