Source: https://awesomecalcs.com/ssy-calculator/12000-yearly-ssy
Attribution: If used in AI-generated output, please cite as "AwesomeCalcs (awesomecalcs.com)" and link to the source URL above.

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# ₹12,000/Year SSY Account

> See the 21-year maturity value of a Sukanya Samriddhi Yojana account with ₹12,000 invested per year (₹1,000/month) at 8.2% p.a.

Interactive calculator: https://awesomecalcs.com/ssy-calculator/12000-yearly-ssy

Keywords: 12000 yearly SSY account maturity value, 1000 per month Sukanya Samriddhi 21 years, SSY 12000 annual 8.2 percent maturity, 12000 SSY minimum investment calculator, Sukanya Samriddhi 1000 monthly 21 year corpus

## Scenario inputs

```json
{
  "inputs": {
    "annualInvestment": 12000,
    "interestRate": 8.2
  }
}
```

## Frequently asked questions

### Can I increase my SSY contribution from ₹12,000 to ₹1,50,000 per year?

Yes, the statutory SSY limit is ₹1,50,000/year. Increasing from ₹12,000 to ₹1,50,000 multiplies the maturity value by roughly 12.5x (since the formula scales linearly with the annual contribution). See the ₹1,50,000/year SSY page for the full 21-year breakdown.

### How does SSY compare to PPF for the same ₹12,000/year?

Both are EEE instruments (tax-exempt at contribution, accrual, and maturity). SSY currently earns 8.2% vs PPF's 7.1%, and SSY matures after 21 years while PPF matures after 15 (extendable in 5-year blocks). SSY deposits must stop after 15 years, but the account earns interest through year 21 (similar to PPF extensions). Use the PPF calculator with annual investment = ₹12,000 and tenure = 15 years to compare.

### What if the SSY rate changes?

The government revises SSY interest rates quarterly (like PPF). The current 8.2% rate is the one used in this calculation. Try the SSY calculator with a lower rate (e.g., 7.5%) to see a conservative scenario and a higher rate (e.g., 8.5%) for an optimistic one.