How much will ₹12,000 a year in Sukanya Samriddhi become at maturity?
Depositing ₹12,000 a year in a Sukanya Samriddhi account for 15 years gives ₹5.75 L at maturity after 21 years at 8.2%. You deposit ₹1.8 L and earn ₹3.95 L in interest.
- Maturity value
- ₹5.75 L (good)
- After 21 years
- You deposit
- ₹1.8 L
- ₹12,000 × 15 years
- Interest earned
- ₹3.95 L (good)
- 69% of maturity
- Balance at age 18
- ₹4.54 L
- If opened at birth
- Growth after deposits stop
- ₹2.16 L (good)
- Years 16 to 21
Open the Sukanya Samriddhi (SSY) Calculator with these numbers filled in
The numbers in charts
Your deposits versus interest
- Money you deposit₹1.8 L · 31.3%
- Interest earned₹3.95 L · 68.7%
Show the numbers
| Part | Value | Share |
|---|---|---|
| Money you deposit | ₹1.8 L | 31.3% |
| Interest earned | ₹3.95 L | 68.7% |
SSY balance by year
- Money you deposit
- Interest earned
Show the numbers
| Year | Money you deposit | Interest earned | Total |
|---|---|---|---|
| 0 | ₹0 | ₹0 | ₹0 |
| 1 | ₹12,000 | ₹984 | ₹12,984 |
| 2 | ₹24,000 | ₹3,033 | ₹27,033 |
| 3 | ₹36,000 | ₹6,233 | ₹42,233 |
| 4 | ₹48,000 | ₹10,681 | ₹58,681 |
| 5 | ₹60,000 | ₹16,476 | ₹76,476 |
| 6 | ₹72,000 | ₹23,731 | ₹95,731 |
| 7 | ₹84,000 | ₹32,565 | ₹1.17 L |
| 8 | ₹96,000 | ₹43,108 | ₹1.39 L |
| 9 | ₹1.08 L | ₹55,499 | ₹1.63 L |
| 10 | ₹1.2 L | ₹69,889 | ₹1.9 L |
| 11 | ₹1.32 L | ₹86,444 | ₹2.18 L |
| 12 | ₹1.44 L | ₹1.05 L | ₹2.49 L |
| 13 | ₹1.56 L | ₹1.27 L | ₹2.83 L |
| 14 | ₹1.68 L | ₹1.51 L | ₹3.19 L |
| 15 | ₹1.8 L | ₹1.78 L | ₹3.58 L |
| 16 | ₹1.8 L | ₹2.07 L | ₹3.87 L |
| 17 | ₹1.8 L | ₹2.39 L | ₹4.19 L |
| 18 | ₹1.8 L | ₹2.74 L | ₹4.54 L |
| 19 | ₹1.8 L | ₹3.11 L | ₹4.91 L |
| 20 | ₹1.8 L | ₹3.51 L | ₹5.31 L |
| 21 | ₹1.8 L | ₹3.95 L | ₹5.75 L |
SSY: deposit once in April or in 12 parts
- Monthly, by the 5th
- Once a year, by 5 April
Show the numbers
| Measure | Monthly, by the 5th | Once a year, by 5 April | Difference |
|---|---|---|---|
| Maturity value | ₹5.55 L | ₹5.75 L | — |
| Interest earned | ₹3.75 L | ₹3.95 L | — |
SSY balance year by year on ₹12,000 a year
Deposits stop after year 15; from year 16 the balance grows on interest alone until the account matures in year 21.
| Year | Deposit | Interest credited | Balance |
|---|---|---|---|
| 1 | ₹12,000 | ₹984 | ₹12,984 |
| 2 | ₹12,000 | ₹2,049 | ₹27,033 |
| 3 | ₹12,000 | ₹3,201 | ₹42,233 |
| 4 | ₹12,000 | ₹4,447 | ₹58,681 |
| 5 | ₹12,000 | ₹5,796 | ₹76,476 |
| 6 | ₹12,000 | ₹7,255 | ₹95,731 |
| 7 | ₹12,000 | ₹8,834 | ₹1,16,565 |
| 8 | ₹12,000 | ₹10,542 | ₹1,39,108 |
| 9 | ₹12,000 | ₹12,391 | ₹1,63,499 |
| 10 | ₹12,000 | ₹14,391 | ₹1,89,889 |
| 11 | ₹12,000 | ₹16,555 | ₹2,18,444 |
| 12 | ₹12,000 | ₹18,896 | ₹2,49,341 |
| 13 | ₹12,000 | ₹21,430 | ₹2,82,771 |
| 14 | ₹12,000 | ₹24,171 | ₹3,18,942 |
| 15 | ₹12,000 | ₹27,137 | ₹3,58,079 |
| 16 | ₹0 | ₹29,362 | ₹3,87,442 |
| 17 | ₹0 | ₹31,770 | ₹4,19,212 |
| 18 | ₹0 | ₹34,375 | ₹4,53,587 |
| 19 | ₹0 | ₹37,194 | ₹4,90,781 |
| 20 | ₹0 | ₹40,244 | ₹5,31,025 |
| 21 | ₹0 | ₹43,544 | ₹5,74,570 |
₹12,000 a year in SSY compared with PPF
SSY pays a higher rate and keeps compounding for six years after the last deposit, which is where most of the gap comes from.
| Scheme and point in time | Balance | You deposited |
|---|---|---|
| SSY after 15 years | ₹3.58 L | ₹1.8 L |
| SSY at maturity (year 21) | ₹5.75 L | ₹1.8 L |
| PPF after 15 years | ₹3.25 L | ₹1.8 L |
| PPF after 20 years (extended, still depositing) | ₹5.33 L | ₹2.4 L |
If the SSY rate averages something else over 21 years
The rate is reset every quarter; the current 8.2% is highlighted.
| Average SSY rate | Maturity value | Interest earned | Interest share of maturity |
|---|---|---|---|
| 7.5% | ₹5.2 L | ₹3.4 L | 65% |
| 8.2% | ₹5.75 L | ₹3.95 L | 69% |
| 8.5% | ₹6 L | ₹4.2 L | 70% |
Questions about this scenario
How much will ₹12,000 a year in Sukanya Samriddhi become at maturity?
About ₹5.75 L after 21 years at 8.2%, if you deposit ₹12,000 before 5 April for 15 years. You deposit ₹1.8 L and interest adds ₹3.95 L. The rate changes quarterly, so treat the figure as an estimate and check the current scheme rules.
What is the SSY balance when the girl turns 18 on ₹12,000 a year?
About ₹4.54 L if the account was opened at birth and ₹12,000 was deposited every April. Up to 50% of the previous year's balance can be withdrawn for higher education, roughly ₹2.27 L here. Check the current withdrawal rules with your bank or post office before relying on this figure.
Does SSY beat PPF for ₹12,000 a year?
On these figures yes. SSY reaches ₹5.75 L against ₹3.25 L for a 15-year PPF with the same deposits, helped by a rate of 8.2% against 7.1% and six more years of compounding. SSY is only for a girl child and runs 21 years.
Compare nearby scenarios
Try your own numbers
Change the return, the inflation rate or any other assumption in the Sukanya Samriddhi (SSY) Calculator with this scenario pre-filled, or browse every PPF, SSY, NSC and FD maturity scenario.
What the numbers say about ₹12,000 a year in SSY
Depositing ₹12,000 a year for 15 years means ₹1.8 L of your money. At 8.2% the account matures at ₹5.75 L when it is 21 years old: interest is ₹3.95 L (69%) and each rupee deposited comes back as 3.19 rupees.
The balance is ₹3.58 L when the last deposit goes in at year 15. You then add nothing for 6 years, yet the balance grows by ₹2.16 L (38% of the maturity value) on interest alone.
When the girl turns 18 the balance is ₹4.54 L. The scheme lets up to 50% of the previous year's balance be withdrawn for higher education, which would be about ₹2.27 L on these figures, so confirm the rules with your bank or post office before planning around it.
Against PPF, the same ₹12,000 a year for 15 years ends at ₹3.25 L, and even a 20-year PPF with continued deposits reaches ₹5.33 L, while SSY gets to ₹5.75 L with the last deposit 6 years before maturity. Depositing monthly instead of before 5 April would cost ₹19,958. In today's money, at 6% inflation, the maturity value is worth about ₹1.69 L.
SSY is for a girl child and its rate is notified quarterly; these figures use the rate for Q3 FY2026-27 (1 Oct 2026 – 31 Dec 2026), so the maturity value is an estimate. Check the current rules on eligibility, deposit limits and tax.