₹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.
Investing ₹12,000/year in SSY at the current 8.2% rate builds a corpus of ₹5,74,570 at maturity (year 21), entirely tax-free. Deposits run for 15 years only; the account then earns interest through year 21 with no new contributions. Compare that to PPF at 7.1% for 15 years on the same amount: ₹3,25,457, SSY produces ₹2,49,113 more due to its higher rate and 21-year compounding window.
- Annual investment
- ₹12,000
- SSY interest rate
- 8.2% p.a.
- Tenure
- 21 years (deposits for 15)
Maturity value
8.2% p.a.₹5.75 Lakhs
₹5,74,570
after 21 years
Invested amount
₹1.8 Lakh
₹1,80,000
Total interest earned
₹3.95 Lakhs
₹3,94,570
+219% gain
Inflation-adjusted value
₹1.69 Lakh
₹1,69,013
in today's ₹, at 6% inflation| Year | Invested | Split | Interest | Balance |
|---|---|---|---|---|
| 1 | ₹12,000 | ₹984 | ₹12,984 | |
| 2 | ₹24,000 |
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This calculator assumes annual deposits at the start of each year for the first 15 years, with interest compounded annually at 8.2% for the full 21-year tenure. Actual SSY interest is computed monthly on the lowest balance between the 5th and last day of the month. The government revises the SSY rate quarterly.