Sukanya Samriddhi Yojana (SSY) Calculator 2025

Use this calculator to estimate the maturity amount and interest earned on your SSY investment.

Calculate Your Returns

Yearly Investment Amount (₹)

Min: ₹250, Max: ₹1,50,000

Girl's Age (at time of opening)

Investment is for 15 years, maturity is at 21 years.

Expected Average Interest Rate (%)

Enter the average rate you expect over the 21-year tenure (Current: 8.2%).

Estimated Maturity Value

Total Amount Invested: ₹0

Total Interest Earned: ₹0

Maturity Value (at 21 Years): ₹0

Sukanya Samriddhi Yojana (SSY) Calculator: Aapki Beti Ke Liye Returns Jaanein

Sukanya Samriddhi Yojana (SSY) 2015 mein Beti Bachao, Beti Padhao initiative ke tahat launch ki gayi ek behtareen savings scheme hai. Yeh scheme 8.2% tak ka high interest rate offer karti hai, aur saath hi Section 80C ke antargat ₹1.5 Lakh tak ka tax exemption bhi deti hai.

Ek Sukanya Samriddhi Yojana calculator aapko yeh pata lagane mein madad karta hai ki aapki beti ke account mein maturity par (21 saal baad) kitna paisa jama hoga. Manual calculation mein galti ho sakti hai, isliye yeh online tool use karna sabse sahi hai.

Eligibility: SSY Account Kaun Khol Sakta Hai?

SSY calculator ka upyog karne se pehle, zaroori hai ki aap scheme ke eligibility criteria ko check kar lein:

Account sirf **ladki ke naam** par khola jaa sakta hai.
Ladki ki umar (age) account kholte samay **10 saal se kam** honi chahiye.
Ek guardian sirf **do betiyon** ke liye hi account khol sakta hai (twins ya triplets ke case mein exception hai).
Account kisi bhi **authorized commercial bank** ya **India Post** branch mein khola jaa sakta hai.

SSY Calculator Ke Fayde Aur Importance

SSY ek **long-term investment** hai, isliye iske returns ko plan karna bahut zaroori hai. SSY calculator aapki is tarah madad karta hai:

Yeh aapko **maturity ki exact value** (21 saal baad) batata hai.
Aap yeh dekh sakte hain ki aapka **total investment** kitna hua aur **kitna byaaj (interest)** kamaya.
Aap apne **regular contributions** (jaise ₹50,000 ya ₹1.5 Lakh) ko adjust karke dekh sakte hain ki desired corpus (lakshya) tak pahunchne ke liye kitna invest karna hoga.
Calculation **error-free** hoti hai, jisse aapki financial planning behtar hoti hai.

SSY Calculator Kaise Kaam Karta Hai?

SSY calculator ek **compound interest formula** par kaam karta hai. Ismein teen mukhya niyam (rules) hain:

Aapko **sirf 15 saal** tak hi paisa jama karna hota hai.
Maturity period **21 saal** ka hota hai.
Deposit rokne ke baad bhi (**15th saal se 21st saal tak**) aapka balance prevailing interest rate par **byaaj kamata rehta hai**.

Maturity Value = Net Contribution + Compound Interest Earned (21 saalon tak).

**TIP:** Hamara online tool **SSY Calculator Year Wise** returns ko background mein calculate karta hai, jisse aapko sabse precise maturity value milti hai. Yeh tool **SBI, HDFC, ya Post Office** mein khule sabhi SSY accounts ke liye sahi hai, kyunki yeh **latest 8.2% interest rate** aur sarkari formula ka upyog karta hai. Yeh **PDF** form download karne se bhi zyada aasan aur tez hai.

FAQs (Frequently Asked Questions)

SSY scheme aur calculator se jude kuch sabse zyada pooche jaane waale sawaalon ke jawab:

Q: What is the interest rate of SSY in 2025?

A: SSY ka interest rate quarterly basis par announce kiya jaata hai. Vartmaan mein (2025-26 ke liye), SSY ka interest rate **8.2%** hai. Yeh rate India mein sabse high tax-free interest rates mein se ek hai.

Q: Which is better, Sukanya or PPF?

A: **Sukanya Samriddhi Yojana (SSY) behtar hai**. Kyunki SSY ka interest rate (8.2%) aam taur par PPF se zyada hota hai, aur ismein tax benefit (EEE status) bhi milta hai. SSY sirf betiyon ke liye hai, jabki PPF koi bhi khol sakta hai.

Q: What is SSY 5000 per month?

A: Agar aap SSY mein ₹5,000 per month (yaani ₹60,000 saalana) invest karte hain, toh 21 saal baad aap lagbhag **₹27.5 - ₹30 lakh** ka corpus bana sakte hain. Hamare upar diye gaye calculator ka upyog karke aap exact maturity value pata kar sakte hain.

Q: Which scheme is best for a girl child?

A: **Sukanya Samriddhi Yojana (SSY)** ko khaas taur par betiyon ke bhavishya ke liye sabse best scheme maana jaata hai. Yeh high interest, tax-free returns, aur sarkari suraksha (sovereign guarantee) ki wajah se top par hai.

Q: Can I deposit 2 lakh in SSY account?

A: **Nahin.** SSY account mein aap ek financial year (saal) mein adhiktam (maximum) **₹1.5 Lakh** hi deposit kar sakte hain. ₹1.5 Lakh se zyada jama kiye gaye amount par koi byaaj nahi milta.

Q: How long is the SSY lock-in period?

A: SSY account **21 saal** mein mature hota hai. Lekin, aapko deposit sirf **15 saal** tak karna hota hai. Ladki ki higher education ya shaadi ke liye 18 saal ke baad partial withdrawal ki anumati hai.