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Sukanya Samriddhi calculator.
You deposit for fifteen years and the account keeps earning for six more. Tax free going in, while it grows, and at maturity.
Between ₹250 and ₹1,50,000, for the first 15 years.
The account can be opened until she turns ten.
8.2% for Oct–Dec 2026, reset every quarter.
When she is 23
₹71.8 L
Deposits stop when she is 17; the account keeps earning until it is 21 years old. Up to half can be taken out at 18 for her education.
- You deposited
- ₹22,50,000
- Interest earned
- ₹49,32,119
- Maturity amount
- ₹71,82,119
How it adds up
- Every year, for 15 years₹1,50,000
- equalsYou put in₹22,50,000
- plusInterest at 8.2%, tax free₹49,32,119
- equalsAt 21₹71,82,119
What this assumes
A deposit at the start of each year for 15 years, at today's rate held for the full 21. The rate is reset every quarter. Between ₹250 and ₹1.5 lakh a year.
Rules and rates from
- National Savings Institute (opens in a new tab)
- Department of Economic Affairs (small savings rates) (opens in a new tab)
Education only, not investment, tax or legal advice. I am not a SEBI-registered investment adviser.
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