How much will ₹30,000 a year in Sukanya Samriddhi become at maturity?
Depositing ₹30,000 a year in a Sukanya Samriddhi account for 15 years gives ₹14.36 L at maturity after 21 years at 8.2%. You deposit ₹4.5 L and earn ₹9.86 L in interest.
- Maturity value
- ₹14.36 L (good)
- After 21 years
- You deposit
- ₹4.5 L
- ₹30,000 × 15 years
- Interest earned
- ₹9.86 L (good)
- 69% of maturity
- Balance at age 18
- ₹11.34 L
- If opened at birth
- Growth after deposits stop
- ₹5.41 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₹4.5 L · 31.3%
- Interest earned₹9.86 L · 68.7%
Show the numbers
| Part | Value | Share |
|---|---|---|
| Money you deposit | ₹4.5 L | 31.3% |
| Interest earned | ₹9.86 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 | ₹30,000 | ₹2,460 | ₹32,460 |
| 2 | ₹60,000 | ₹7,582 | ₹67,582 |
| 3 | ₹90,000 | ₹15,583 | ₹1.06 L |
| 4 | ₹1.2 L | ₹26,701 | ₹1.47 L |
| 5 | ₹1.5 L | ₹41,191 | ₹1.91 L |
| 6 | ₹1.8 L | ₹59,328 | ₹2.39 L |
| 7 | ₹2.1 L | ₹81,413 | ₹2.91 L |
| 8 | ₹2.4 L | ₹1.08 L | ₹3.48 L |
| 9 | ₹2.7 L | ₹1.39 L | ₹4.09 L |
| 10 | ₹3 L | ₹1.75 L | ₹4.75 L |
| 11 | ₹3.3 L | ₹2.16 L | ₹5.46 L |
| 12 | ₹3.6 L | ₹2.63 L | ₹6.23 L |
| 13 | ₹3.9 L | ₹3.17 L | ₹7.07 L |
| 14 | ₹4.2 L | ₹3.77 L | ₹7.97 L |
| 15 | ₹4.5 L | ₹4.45 L | ₹8.95 L |
| 16 | ₹4.5 L | ₹5.19 L | ₹9.69 L |
| 17 | ₹4.5 L | ₹5.98 L | ₹10.48 L |
| 18 | ₹4.5 L | ₹6.84 L | ₹11.34 L |
| 19 | ₹4.5 L | ₹7.77 L | ₹12.27 L |
| 20 | ₹4.5 L | ₹8.78 L | ₹13.28 L |
| 21 | ₹4.5 L | ₹9.86 L | ₹14.36 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 | ₹13.87 L | ₹14.36 L | — |
| Interest earned | ₹9.37 L | ₹9.86 L | — |
SSY balance year by year on ₹30,000 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 | ₹30,000 | ₹2,460 | ₹32,460 |
| 2 | ₹30,000 | ₹5,122 | ₹67,582 |
| 3 | ₹30,000 | ₹8,002 | ₹1,05,583 |
| 4 | ₹30,000 | ₹11,118 | ₹1,46,701 |
| 5 | ₹30,000 | ₹14,490 | ₹1,91,191 |
| 6 | ₹30,000 | ₹18,138 | ₹2,39,328 |
| 7 | ₹30,000 | ₹22,085 | ₹2,91,413 |
| 8 | ₹30,000 | ₹26,356 | ₹3,47,769 |
| 9 | ₹30,000 | ₹30,977 | ₹4,08,746 |
| 10 | ₹30,000 | ₹35,977 | ₹4,74,724 |
| 11 | ₹30,000 | ₹41,387 | ₹5,46,111 |
| 12 | ₹30,000 | ₹47,241 | ₹6,23,352 |
| 13 | ₹30,000 | ₹53,575 | ₹7,06,927 |
| 14 | ₹30,000 | ₹60,428 | ₹7,97,355 |
| 15 | ₹30,000 | ₹67,843 | ₹8,95,198 |
| 16 | ₹0 | ₹73,406 | ₹9,68,604 |
| 17 | ₹0 | ₹79,426 | ₹10,48,030 |
| 18 | ₹0 | ₹85,938 | ₹11,33,968 |
| 19 | ₹0 | ₹92,985 | ₹12,26,953 |
| 20 | ₹0 | ₹1,00,610 | ₹13,27,564 |
| 21 | ₹0 | ₹1,08,860 | ₹14,36,424 |
₹30,000 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 | ₹8.95 L | ₹4.5 L |
| SSY at maturity (year 21) | ₹14.36 L | ₹4.5 L |
| PPF after 15 years | ₹8.14 L | ₹4.5 L |
| PPF after 20 years (extended, still depositing) | ₹13.32 L | ₹6 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% | ₹13 L | ₹8.5 L | 65% |
| 8.2% | ₹14.36 L | ₹9.86 L | 69% |
| 8.5% | ₹14.99 L | ₹10.49 L | 70% |
Questions about this scenario
How much will ₹30,000 a year in Sukanya Samriddhi become at maturity?
About ₹14.36 L after 21 years at 8.2%, if you deposit ₹30,000 before 5 April for 15 years. You deposit ₹4.5 L and interest adds ₹9.86 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 ₹30,000 a year?
About ₹11.34 L if the account was opened at birth and ₹30,000 was deposited every April. Up to 50% of the previous year's balance can be withdrawn for higher education, roughly ₹5.67 L here. Check the current withdrawal rules with your bank or post office before relying on this figure.
Does SSY beat PPF for ₹30,000 a year?
On these figures yes. SSY reaches ₹14.36 L against ₹8.14 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.
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What the numbers say about ₹30,000 a year in SSY
Depositing ₹30,000 a year for 15 years means ₹4.5 L of your money. At 8.2% the account matures at ₹14.36 L when it is 21 years old: interest is ₹9.86 L (69%) and each rupee deposited comes back as 3.19 rupees.
The balance is ₹8.95 L when the last deposit goes in at year 15. You then add nothing for 6 years, yet the balance grows by ₹5.41 L (38% of the maturity value) on interest alone.
When the girl turns 18 the balance is ₹11.34 L. The scheme lets up to 50% of the previous year's balance be withdrawn for higher education, which would be about ₹5.67 L on these figures, so confirm the rules with your bank or post office before planning around it.
Against PPF, the same ₹30,000 a year for 15 years ends at ₹8.14 L, and even a 20-year PPF with continued deposits reaches ₹13.32 L, while SSY gets to ₹14.36 L with the last deposit 6 years before maturity. Depositing monthly instead of before 5 April would cost ₹49,894. In today's money, at 6% inflation, the maturity value is worth about ₹4.23 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.