Sukanya Samriddhi Yojana Calculator

Plan your daughter's future with this government-backed savings scheme calculator

SSY Calculator

Calculate returns on your Sukanya Samriddhi Yojana investment

Growth Projection

See how your investment grows with government-backed returns

Education Planning

Plan for your daughter's higher education and future needs

Secure Future

Government backed scheme with tax benefits under Section 80C

Calculator Inputs

Enter your investment details to calculate returns

Investment Summary

Overview of your Sukanya Samriddhi investment

Total Investment

3,75,000

Interest Earned

8,22,020

Maturity Amount

11,97,020

Investment Period

15 years

Year by Year Analysis

Detailed breakdown of your investment growth

YearAgeInvestmentInterest EarnedBalance
1325,0002,05027,050
2425,0004,26856,318
3525,0006,66887,986
4625,0009,2651,22,251
5725,00012,0751,59,326
6825,00015,1151,99,440
7925,00018,4042,42,844
81025,00021,9632,89,808
91125,00025,8143,40,622
101225,00029,9813,95,603
111325,00034,4894,55,092
121425,00039,3685,19,460
131525,00044,6465,89,106
141625,00050,3576,64,462
151725,00056,5367,45,998
1618061,1728,07,170
1719066,1888,73,358
1820071,6159,44,973
1921077,48810,22,461
2022083,84211,06,303
2123090,71711,97,020

Alternative Investment Strategy

Compare returns between full SSY investment vs split with index funds

SSY Portion

50% of investment

Investment

1,00,000

Returns

3,03,677

Final Amount

4,03,677

Index Fund Portion

50% of investment

Investment

1,00,000

Returns

6,51,375

Final Amount

7,51,375

Combined Results

Total portfolio performance

Total Investment

2,00,000

Total Returns

9,55,052

Final Amount

11,55,052

YearSSY BalanceIndex BalanceCombined Balance
113,52514,00027,525
228,15929,68057,839
343,99347,24291,235
461,12666,9111,28,036
579,66388,9401,68,603
699,7201,13,6132,13,333
71,21,4221,41,2462,62,668
81,44,9041,72,1963,17,100
91,56,7861,92,8593,49,645
101,69,6422,16,0023,85,645
111,83,5532,41,9234,25,476
121,98,6042,70,9534,69,558
132,14,8903,03,4685,18,358
142,32,5113,39,8845,72,395
152,51,5773,80,6706,32,247
162,72,2064,26,3506,98,556
172,94,5274,77,5127,72,039
183,18,6785,34,8148,53,492
193,44,8105,98,9919,43,801
203,73,0846,70,87010,43,955
214,03,6777,51,37511,55,052

Pure Mutual Fund vs SSY Comparison

Compare returns between 100% SSY investment vs 100% Mutual Fund investment (with capital gains tax)

Pure SSY Strategy

100% investment in SSY (Tax Free)

Total Investment

3,75,000

Returns (Tax Free)

8,22,020

Final Amount

11,97,020

Pure Mutual Fund Strategy

100% investment in Mutual Funds (12.5% Capital Gains Tax)

Total Investment

3,75,000

Gross Returns

16,85,339

Capital Gains Tax (12.5%)

- 2,10,667

Net Returns

14,74,672

Final Amount

18,49,672

Key Tax Implications

  • SSY returns are completely tax-free under Section 80C
  • Mutual fund gains are subject to 12.5% capital gains tax
  • Tax impact can significantly affect final returns despite higher gross returns

Investment Growth Visualization

Visual comparison of investment growth over time

Investment Split

Returns Comparison

Key Insights

  • SSY provides guaranteed returns of 8.2% with government backing
  • Index funds have potential for higher returns (12%) but with market risk
  • Combined strategy provides a balance of security and growth potential

About Sukanya Samriddhi Yojana

Sukanya Samriddhi Yojana (SSY) is a government-backed savings scheme for girl children in India. It offers one of the highest interest rates among all government schemes and comes with tax benefits under Section 80C.

  • Account can be opened anytime between girl child's birth and age of 10 years
  • Deposits can be made for 15 years
  • Account matures when the girl turns 21
  • Minimum yearly deposit: ₹250
  • Maximum yearly deposit: ₹1,50,000
  • Partial withdrawal allowed for higher education after girl turns 18