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Sukanya Samriddhi calculator
सुकन्या समृद्धि योजना कैलकुलेटर
Last reviewed: 11 November 2026
Deposits may be made for 15 years. The account matures 21 years after opening. This estimate compounds once a year. The Sukanya Samriddhi Account Scheme, 2019 calculates interest each month on the lowest balance between the close of the fifth day and the end of the month, and credits it at the end of the financial year.
| Year | Deposit | Estimated interest | Balance |
|---|
The sliders stay in this browser. The yearly deposit, the age, the start year, and the rate are not saved and are not sent anywhere.
How to read the table
Each row is one year of the 21. A deposit appears only in the first 15 years, which is the deposit window in paragraph 4(3) of the 2019 Scheme. From year 16 the deposit column is zero and the estimate only compounds what is already there. The account matures 21 years from opening, which is paragraph 9(1). “Matures in” on the card is the start year plus 21.
The rate box is an assumption. 8.2% is the notified rate for 1 October 2026 to 31 December 2026, from the NSI rate history and the office memorandum of 30 September 2026, which kept the quarter unchanged. If a later quarter is different, type that rate. Past rates are on the interest-rate page.
What this estimate leaves out
- Interest in the Gazette is monthly, on the lowest balance between the close of the fifth day and the end of the month, and it is credited at the end of the financial year. A deposit made after the fifth can earn nothing for that month. This page cannot see the day you will pay.
- A deposit above ₹1,50,000 in a financial year is not allowed. The slider stops there. An amount accepted by mistake earns no interest and is returned, which is paragraph 4(2).
- A year with no deposit can put the account in default. Regularising it costs a ₹50 penalty for each defaulted year plus the minimum ₹250. The calculator assumes you deposit the chosen amount in each of the 15 years.
- Partial withdrawal for education, or closing the account for marriage, changes the balance. Those rules are on the withdrawal page. This table assumes the account runs to the 21st year with no withdrawal.
- The age line is a reminder, not an eligibility decision. She must be under 10 when the account opens. The family limits are on the opening page.
Use the number as a planning sketch. The passbook, after an account exists, is the record that matters. Open the account only at a post office or authorised bank.
Related pages
Sukanya Samriddhi interest rate
Sukanya Samriddhi interest is 8.2% a year for 1 October to 31 December 2026, unchanged from the previous quarter. Full NSI history.
How a Sukanya Samriddhi account is opened
Open a Sukanya Samriddhi account at a post office or authorised bank. Girl under 10, one account, Form-1 and birth certificate. Checker included.
Withdrawal, maturity, and closing early
Education withdrawal up to 50% on Form-3, maturity at 21 years on Form-4, and the separate rules for closing early.
Frequently asked questions
Is this the post office calculator or the SBI calculator?
Neither. There is one national rate, notified by the Ministry of Finance. A post office and an authorised bank use that rate. This page is an estimate in your browser, not an official calculator.
What do I get if I deposit ₹250, ₹1,000, or ₹5,000 a year?
Move the yearly deposit to that amount and read the estimated maturity on this page. ₹250, ₹1,000, and ₹5,000 are all within the scheme (multiples of ₹50, and at least ₹250). The figure changes if you edit the interest rate.
Why is 8.2% already filled in?
That is the rate for 1 October 2026 to 31 December 2026, listed by the National Savings Institute and left unchanged by the Department of Economic Affairs office memorandum of 30 September 2026. You can type a different rate. The ministry reviews it every quarter.
Does the girl need to be under 10?
Yes, on the day the account is opened. The age slider stops at 9 for that reason. It only shows how old she would be when the 21 years are over. It does not check the rest of the family rules. Use the checker on the account-opening page for that.
Is the maturity figure exact?
No. This estimate compounds once a year and assumes the rate never changes and that each deposit is made at the start of the year. The Scheme calculates interest each month on the lowest balance between the close of the fifth day and the month-end, and credits it at the end of the financial year.