Source: https://awesomecalcs.com/ssy-calculator/150000-yearly-ssy
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# ₹1,50,000/Year SSY Account (Maximum)

> See the 21-year maturity value of a Sukanya Samriddhi Yojana account with ₹1,50,000 invested per year (the statutory maximum) at 8.2% p.a.

Interactive calculator: https://awesomecalcs.com/ssy-calculator/150000-yearly-ssy

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## Scenario inputs

```json
{
  "inputs": {
    "annualInvestment": 150000,
    "interestRate": 8.2
  }
}
```

## Frequently asked questions

### What is the total amount invested and total interest earned at maximum SSY?

At ₹1,50,000/year for 15 deposit years, you invest a total of ₹22,50,000 in SSY. The interest earned over 21 years (including the compounding-only years 16-21) makes up the rest of the maturity value. All of it, including interest and maturity proceeds, is tax-free under EEE status.

### What if the SSY rate drops to 7.1% (the current PPF rate) during my daughter's tenure?

SSY rates are government-revised each quarter and can change during the 21-year tenure. Try the SSY calculator with interestRate = 7.1 to see a conservative scenario where rates converge to the current PPF level. Even at 7.1%, SSY is comparable to PPF with its longer compounding window.

### Can I invest ₹1,50,000 in both SSY and PPF in the same year?

Yes: SSY and PPF are separate schemes. You can invest the full ₹1,50,000 maximum in SSY and separately invest up to ₹1,50,000 in PPF, but the total Section 80C deduction across all instruments is capped at ₹1,50,000/year. Only ₹1,50,000 of combined investments will qualify for 80C; the rest is still tax-free at maturity but doesn't reduce your taxable income today.