₹36,000/Year SSY Account
See the 21-year maturity value of a Sukanya Samriddhi Yojana account with ₹36,000 invested per year (₹3,000/month) at 8.2% p.a.
Investing ₹36,000/year in SSY at the current 8.2% rate builds a corpus of ₹17,23,709 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: ₹9,76,370, SSY produces ₹7,47,338 more due to its higher rate and 21-year compounding window.
- Annual investment
- ₹36,000
- SSY interest rate
- 8.2% p.a.
- Tenure
- 21 years (deposits for 15)
Maturity value
8.2% p.a.₹17.24 Lakhs
₹17,23,709
after 21 years
Invested amount
₹5.4 Lakhs
₹5,40,000
Total interest earned
₹11.84 Lakhs
₹11,83,709
+219% gain
Inflation-adjusted value
₹5.07 Lakhs
₹5,07,038
in today's ₹, at 6% inflation| Year | Invested | Split | Interest | Balance |
|---|---|---|---|---|
| 1 | ₹36,000 | ₹2,952 | ₹38,952 | |
| 2 | ₹72,000 |
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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.