Sukanya Samriddhi (SSY)

Calculate maturity value for Sukanya Samriddhi Yojana.

Monthly Investment

₹

Expected Return (p.a.)

Time Period (Years)

Yrs

Scenario Analysis (Assumed Returns)

Conservative

6.199999999999999%

16,65,177

Base

8.2%

24,18,328

Higher

10.2%

34,88,204

Labels are estimates based on your base rate (8.2%).

Estimated Maturity Value

₹2,39,40,397

Total Principal

₹5,00,000

Estimated Returns

₹1,64,40,397

Portfolio Mix

Invested

Returns

Growth Curve

You invest ₹5,00,000 every month for 20 years. At an estimated 8.2% annual return, your total investment is ₹75,00,000 and the estimated total value is approximately ₹2,39,40,397. Around ₹1,64,40,397 represents estimated growth.

Next Architectural Steps

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How it works

Government-backed savings scheme for the girl child with high tax-free returns.

The formula

Annual compounding for 21 years maturity

P: Annual Contribution
t: Maturity Period (21 years)

Worked example

₹1.5 Lakh annual contribution for 15 years yields a massive maturity corpus after 21 years.

Pro tips

Open the account before the girl turns 10.
Max contribution is ₹1.5 Lakh per financial year.

Common mistakes

Missing the minimum annual deposit of ₹250.

Go deeper

Concepts to explore

SSY rules and benefits

Institutional grade calculations are illustrative and for educational wealth architecture. Results do not constitute investment advice.