₹12,500 a month, by the 5th.
Sukanya Samriddhi Calculator: Maturity at 21 Years
Enter what you put in each month for your daughter, up to ₹12,500 (₹1.5 lakh a year). Deposits run for 15 years and the account pays out at 21 years from opening; the calculator works the interest the way the scheme credits it, and sets Sukanya beside PPF.
Post Office rates for October to December 2026 (India Post; NSI) · National Savings Schemes, 2019 · SBI retail term deposit card rates w.e.f. 15 December 2025, page updated 19 October 2026 · DICGC cover ₹5 lakh · Income-tax Act, 2025: sections 123 and 393(1) · reviewed 21 October 2026
What you are putting away
₹
A Time Deposit, NSC or KVP takes ₹1,000 or more
₹
PPF and Sukanya take up to ₹1.5 lakh a year, ₹12,500 a month
The Post Office’s own terms; 9 years 7 months is the KVP’s
The Post Office RD runs 5 years, PPF 15; a bank RD 1 to 10
You
Seniors get more from a bank, and the SCSS
The rate your next rupee of income pays; 4% cess is added
For the 5-year TD, NSC, SCSS, PPF, Sukanya and a 5-year tax-saver FD, on up to ₹1.5 lakh a year, if you have that room left
Sukanya Samriddhi is open only in her name
The bank
Empty: SBI’s card rate for the term and your age
Type the rate from that bank’s own page
Sukanya Samriddhi maturity, worked
₹12,500 a month, the ₹1.5 lakh a year the scheme allows, for 15 years, at 8.2% for October to December 2026.
Interest keeps compounding for six years after the last deposit.
Free of income tax.
After tax, the same as before it.
Sukanya Samriddhi rules, and where each comes from
Where it comes from
Set by the Government every quarter; unchanged since 1 January 2024. India Post; NSI on Sukanya.
Where it comes from
Opened by a parent or guardian in the girl’s name. The scheme.
Where it comes from
In each financial year, for 15 years; interest on the lowest balance between the 5th and the end of each month, credited yearly.
Where it comes from
Pays out at 21 years from opening. Half the balance can be withdrawn for higher education after 18 or Class 10, and the account closed on her marriage after 18.
Where it comes from
Interest and maturity are free of tax. Deposits qualify under section 123 (formerly 80C) in the old regime.
Sukanya Samriddhi: the questions people ask
How is Sukanya Samriddhi maturity calculated?
Deposits go in for 15 years and the account runs until 21 years from opening. Interest at 8.2% for October to December 2026 is worked on the lowest balance between the 5th and the end of each month and credited once a year, and it keeps compounding after the deposits stop. The calculator works the account month by month in that way.
Is this Sukanya Samriddhi calculator free?
Yes. It is a free Sukanya Samriddhi calculator: no sign-up, and the figures you type stay in your browser. It works the account the way the Sukanya Samriddhi Account Scheme does and shows the maturity value at 21 years, the interest and the tax-free return. You can share the result as a link or a PDF.
What is the Sukanya Samriddhi interest rate now?
8.2% a year for October to December 2026, unchanged since 1 January 2024. The Government sets it every quarter and the balance earns whatever rate is notified for the time, so the maturity value is an estimate at today’s rate.
How much will ₹1.5 lakh a year in Sukanya give at maturity?
At today’s 8.2%, ₹12,500 a month (₹1.5 lakh a year, the most it takes) for 15 years puts in ₹22.5 lakh and grows to about ₹69.33 lakh at 21 years, all tax-free. ₹5,000 a month grows to about ₹27.73 lakh.
Who can open a Sukanya Samriddhi account?
A parent or guardian, in the name of a daughter under 10. Deposits are ₹250 to ₹1.5 lakh in a financial year, for 15 years.
When can money be taken out of Sukanya Samriddhi?
Half the balance can be withdrawn for her higher education once she turns 18 or passes Class 10, and the account can be closed on her marriage after 18. Otherwise it pays out at 21 years from opening.
Sukanya Samriddhi or PPF for a daughter?
Sukanya pays 8.2% against PPF’s 7.1% for October to December 2026, and both are tax-free and count under section 123 (formerly 80C) in the old regime. Sukanya’s money is hers and is locked until her education or marriage; PPF stays yours, with a loan and yearly withdrawals allowed from set years.
See also the PPF calculator, the FD, RD and Post Office calculator with every scheme side by side, the goal SIP calculator for a child’s education fund, the guide to the new regime and the section 123 (80C) deduction it gives up, or all calculators.
Quoting this calculator?
You are welcome to use these figures in an article, a forum answer or a client note. A link back is all I ask — here it is, ready to paste.