₹1,25,000/Year SSY Account
See the 21-year maturity value of a Sukanya Samriddhi Yojana account with ₹1,25,000 invested per year at 8.2% p.a.
Investing ₹1,25,000/year in SSY at the current 8.2% rate builds a corpus of ₹59,85,099 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: ₹33,90,174 — SSY produces ₹25,94,925 more due to its higher rate and 21-year compounding window.
- Annual investment
- ₹1,25,000
- SSY interest rate
- 8.2% p.a.
- Tenure
- 21 years (deposits for 15)
Maturity value
8.2% p.a.₹59,
after 21 years
Invested amount
₹18,
Total interest earned
₹41,
+219% gain
| Year | Invested | Split | Interest | Balance |
|---|---|---|---|---|
| 1 | ₹1,25,000 | ₹10,250 | ₹1,35,250 | |
| 2 | ₹2,50,000 | ₹31,591 | ₹2,81,591 | |
| 3 | ₹3,75,000 | ₹64,931 | ₹4,39,931 | |
| 4 | ₹5,00,000 | ₹1,11,255 | ₹6,11,255 | |
| 5 | ₹6,25,000 | ₹1,71,628 | ₹7,96,628 | |
| 6 | ₹7,50,000 | ₹2,47,202 | ₹9,97,202 | |
| 7 | ₹8,75,000 | ₹3,39,222 | ₹12,14,222 | |
| 8 | ₹10,00,000 | ₹4,49,038 | ₹14,49,038 | |
| 9 | ₹11,25,000 | ₹5,78,110 | ₹17,03,110 | |
| 10 | ₹12,50,000 | ₹7,28,015 | ₹19,78,015 | |
| 11 | ₹13,75,000 | ₹9,00,462 | ₹22,75,462 | |
| 12 | ₹15,00,000 | ₹10,97,300 | ₹25,97,300 | |
| 13 | ₹16,25,000 | ₹13,20,528 | ₹29,45,528 | |
| 14 | ₹17,50,000 | ₹15,72,312 | ₹33,22,312 | |
| 15 | ₹18,75,000 | ₹18,54,991 | ₹37,29,991 | |
| 16 | ₹18,75,000 | ₹21,60,850 | ₹40,35,850 | |
| 17 | ₹18,75,000 | ₹24,91,790 | ₹43,66,790 | |
| 18 | ₹18,75,000 | ₹28,49,867 | ₹47,24,867 | |
| 19 | ₹18,75,000 | ₹32,37,306 | ₹51,12,306 | |
| 20 | ₹18,75,000 | ₹36,56,515 | ₹55,31,515 | |
| 21 | ₹18,75,000 | ₹41,10,099 | ₹59,85,099 |
What the numbers mean
Deposits of ₹1,25,000/year for 15 years (total: ₹18,75,000) grow to ₹59,85,099 over 21 years — an effective CAGR of approximately 5.7%. SSY beats PPF (currently 7.1%) and most bank FDs, while maintaining EEE tax-exempt status: contributions qualify for Section 80C, and both interest and maturity proceeds are tax-free.
PPF at 7.1% for 15 years on ₹1,25,000/year gives ₹33,90,174. SSY at 8.2% over 21 years gives ₹59,85,099 — a difference of ₹25,94,925. Both are EEE instruments; SSY wins on rate and the extra 6 compounding years, but PPF has no age restriction and can be extended in 5-year blocks. Compare with the PPF calculator.
An ELSS fund at 12% p.a. with ₹10,417/month for 21 years might give roughly ₹1,18,61,569 — more than SSY's ₹59,85,099, but subject to 12.5% LTCG tax on gains above ₹1.25 lakh and market volatility. SSY is guaranteed and fully tax-free; ELSS is market-linked. For a girl child corpus, a mix of both can balance certainty and growth. Model the ELSS scenario with the SIP calculator.
Investing the statutory maximum of ₹1,50,000/year for 15 years at 8.2% gives a 21-year maturity value of ₹71,82,119. The ₹1.5 lakh annual limit also equals the full Section 80C ceiling, so maximising SSY efficiently uses your entire 80C allowance. See the maximum SSY contribution page.
PPF Calculator
PPF at 7.1% for 15 years vs SSY at 8.2% for 21 years — see the difference
EPF Calculator
Compare EPF and SSY for long-term government-backed savings
FD Calculator
Calculate the maturity value of your fixed deposit.
RD Calculator
See how your recurring deposit grows with regular monthly deposits.
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.