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About this tool
Project the Sukanya Samriddhi corpus from yearly deposits, with the 15-year deposit window, 21-year maturity and annual compounding.
The Sukanya Samriddhi Account is a small savings scheme for a girl child under 10, and this calculator projects what it will be worth at maturity. It follows the Sukanya Samriddhi Account Scheme, 2019: deposits of Rs 250 to Rs 1,50,000 a financial year for up to 15 years, annual compounding at the quarterly notified rate, and maturity 21 years after the account is opened, with the balance continuing to earn interest for the six years after the last deposit. It also shows the 50% partial withdrawal available once she turns 18 and the deduction the deposit attracts under section 80C.
Open Sukanya Samriddhi Maturity Calculator on AltFTool — it loads instantly in your browser.
Enter the values you already know.
Fine-tune the options to match your scenario.
Read the result and use it in your planning or reporting.
Deposits for 15 years and then six years of compounding with no deposits, exactly as the scheme works.
Choose April or March and see the difference a full year of interest on each instalment makes.
The 50% partial withdrawal limit at 18 and the annual 80C deduction are worked out alongside the corpus.
8.2% a year, compounded annually, which is the rate notified for the scheme by the Ministry of Finance. It is reviewed every quarter along with the other small savings rates, so the rate over a 21-year account will not stay fixed.
Deposits can be made for 15 years from the date of opening, with a minimum of Rs 250 and a maximum of Rs 1,50,000 in each financial year. The account still matures at 21 years, so the balance compounds for a further six years with nothing more going in.
The account matures 21 years after opening. It can also be closed for the girl's marriage after she turns 18, from one month before to three months after the marriage date. Separately, up to 50% of the previous year's closing balance can be withdrawn once she attains 18 or passes the tenth standard, whichever comes first.
Deposits qualify for deduction under section 80C within the shared Rs 1,50,000 limit, and both the interest and the maturity amount are exempt from income tax, which makes it an exempt-exempt-exempt scheme. Tax rules change, so confirm the current position with a tax professional.
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