SSY Calculator (Sukanya Samriddhi Yojana)
Simulate government-guaranteed compounding for a girl child's education and marriage.
💡 Motto: We don't tell what to pick, we tell how to pick.
Investment Settings
Yearly Deposit
₹
₹250 (Min)₹1.5 Lakhs (Statutory Max Limit)
Current SSY Interest Rate
8.2% p.a.
*Interest is government-guaranteed and completely tax-free under Section 80C.Girl Child Age (0-10)
Yrs
0 Years (Newborn)10 Years (Max Entry Age)
Expected Inflation Rate
%
3%12%
Total Invested
₹15,00,000
Over 15 YearsNominal Maturity
₹47,88,079
Interest: +₹32,88,079Real Value (Today's Power)
₹16,87,999
Purchasing power after 21 years⚠️ The 21-Year Reality:Due to compounding inflation of 5.09%, the nominal maturity corpus of ₹47,88,079 will purchase what ₹16,87,999 does today. While SSY beats bank FDs, remember to scale your targets for higher education expenses.
Growth Projection (Over 21 Years)
Sukanya Samriddhi Yojana (SSY) Scheme Guide
Key Rules & Statutory Limits
- Eligible Child: Only for a girl child resident in India under the age of 10 at opening.
- Statutory Limit: Minimum investment is ₹250, and the maximum is capped at ₹1,50,000 per financial year (Section 80C benefits).
- Deposit Tenure: Contributions must be made for exactly 15 years from opening.
- Account Maturity: The account matures after 21 years from date of opening or when the girl marries after age 18.
Inflation & Yield Reality
Sukanya Samriddhi Yojana currently offers an attractive sovereign interest rate of 8.2% p.a., which is higher than most other fixed-income schemes like PPF or bank FDs.
Why Inflation Adjustment is Critical here: Because child education costs in India typically inflate at 8–10% per year (higher than CPI general inflation). A target corpus calculated solely on nominal values might fall short when the child reaches 18–21 years of age. Adjusting for a 5-6% inflation rate gives you the necessary reality check on the actual purchasing power of your investments.