PPF
Project the balance in a Public Provident Fund account over its 15-year term.
Savings and loans
Sukanya Samriddhi calculator
Project the balance in a Sukanya Samriddhi account when it matures 21 years after opening.
The government can change this rate every quarter. The Sukanya Samriddhi rate is 8.2% a year at the moment, and we last checked it on 1 Nov 2026. Check the current rate before you rely on a result.
a year
Between ₹250 and ₹1,50,000 a year.
years
At most 15 years from opening. The account matures after 21.
The financial year of the first deposit.
Interest rate
The government can change this rate. The latest rate is assumed to continue.
In today’s money
Paying in ₹1,50,000 a year for 15 years at the official rate could grow to ₹71.82 lakh when the account matures after 21 years. You would pay in ₹22.5 lakh.
- Amount you paid in
- ₹22,50,000≈ ₹22.5 lakh
- Interest earned
- ₹49,32,119≈ ₹49.32 lakh · 219% on top of what you paid in
- Balance at maturity
- ₹71,82,119≈ ₹71.82 lakh
Growth, year by year
Tap or hover the chart, or use the slider, to read any year.
- Balance
- Amount you paid in
After 21 years
Balance
₹71,82,119
Amount you paid in
₹22,50,000
Year-by-year table
| Year | Balance | Amount you paid in |
|---|---|---|
| 0 | ₹0 | ₹0 |
| 1 | ₹1,62,300 | ₹1,50,000 |
| 2 | ₹3,37,909 | ₹3,00,000 |
| 3 | ₹5,27,917 | ₹4,50,000 |
| 4 | ₹7,33,506 | ₹6,00,000 |
| 5 | ₹9,55,954 | ₹7,50,000 |
| 6 | ₹11,96,642 | ₹9,00,000 |
| 7 | ₹14,57,067 | ₹10,50,000 |
| 8 | ₹17,38,846 | ₹12,00,000 |
| 9 | ₹20,43,732 | ₹13,50,000 |
| 10 | ₹23,73,618 | ₹15,00,000 |
| 11 | ₹27,30,554 | ₹16,50,000 |
| 12 | ₹31,16,760 | ₹18,00,000 |
| 13 | ₹35,34,634 | ₹19,50,000 |
| 14 | ₹39,86,774 | ₹21,00,000 |
| 15 | ₹44,75,989 | ₹22,50,000 |
| 16 | ₹48,43,020 | ₹22,50,000 |
| 17 | ₹52,40,148 | ₹22,50,000 |
| 18 | ₹56,69,840 | ₹22,50,000 |
| 19 | ₹61,34,767 | ₹22,50,000 |
| 20 | ₹66,37,818 | ₹22,50,000 |
| 21 | ₹71,82,119 | ₹22,50,000 |
Where the total comes from
Tap a segment to see its rupees.
Interest earned₹49.32 lakh69% of total
Of the ₹71,82,119 total, ₹22,50,000 is amount you paid in and ₹49,32,119 is interest earned.
Interest rate used
The Sukanya Samriddhi rate is 8.2% a year, in force since 1 Oct 2026 and notified through 31 Dec 2026. Last checked on 1 Nov 2026.
From January 2027 onward no rate has been announced yet, so 8.2% is assumed to continue. The government can change it every quarter, and your result would change with it.
Rate used each year
- 2026-27: 8.2% (assumed)
- 2027-28: 8.2% (assumed)
- 2028-29: 8.2% (assumed)
- 2029-30: 8.2% (assumed)
- 2030-31: 8.2% (assumed)
- 2031-32: 8.2% (assumed)
- 2032-33: 8.2% (assumed)
- 2033-34: 8.2% (assumed)
- 2034-35: 8.2% (assumed)
- 2035-36: 8.2% (assumed)
- 2036-37: 8.2% (assumed)
- 2037-38: 8.2% (assumed)
- 2038-39: 8.2% (assumed)
- 2039-40: 8.2% (assumed)
- 2040-41: 8.2% (assumed)
- 2041-42: 8.2% (assumed)
- 2042-43: 8.2% (assumed)
- 2043-44: 8.2% (assumed)
- 2044-45: 8.2% (assumed)
- 2045-46: 8.2% (assumed)
- 2046-47: 8.2% (assumed)
What this assumes
- The yearly deposit is made in April, for the years you choose, and interest keeps being added until the account matures 21 years after opening.
- Interest each month is worked out on the lowest balance between the 5th and the end of the month, and added on 31 March.
- Partial withdrawals for education or marriage, and tax, are not taken into account.
What next
EPF
Project your Employees’ Provident Fund balance from your and your employer’s monthly contributions.Fixed deposit
See what a bank fixed deposit pays when it matures, with interest added on as it compounds.Recurring deposit
See what a bank recurring deposit pays at maturity, with interest added every quarter.
How it works
A Sukanya Samriddhi account is opened for a girl child by a parent or legal guardian. Deposits are allowed for 15 years from opening, and the account matures 21 years from opening. The yearly deposit is between ₹250 and ₹1,50,000.
- Interest is set by the government every quarter, worked out monthly on the lowest balance between the 5th and the month end, and added to the account once a year.
- After the deposit years no more money goes in, but the balance keeps earning interest until the account matures.
- Withdrawal: up to 50% of the previous year-end balance, for education or marriage, once the girl is 18.
Balance after a year = (balance at the start + deposit) + interest of the 12 months
A worked example
₹1,50,000 paid in every April for 15 years, with interest at the rates in force and the latest rate assumed to continue, reaches ₹71,82,119 (₹71.82 lakh) when the account matures after 21 years. You pay in ₹22,50,000; the interest is ₹49,32,119. At a steady 8.2%, the first year earns 1,50,000 x 0.082 = ₹12,300.
What it leaves out
- Partial withdrawals and early closure.
- Missed deposits, which carry a penalty to revive the account.
- Future rate changes. The latest rate is assumed to continue, which may not happen.
- The exact opening date. Deposits are taken in April and years are counted in whole financial years.
- Tax.
Questions people ask
Is the Sukanya Samriddhi rate fixed?
No. The government announces the rate for each quarter. When we last checked, on 1 Nov 2026, it was 8.2% a year. The new rate applies to the whole balance, so this calculator uses the rate notified for each period and assumes the latest rate continues after that.
Why do deposits stop after 15 years if the account runs for 21?
The scheme takes deposits for 15 years from opening. After that the balance stays in the account and keeps earning interest until it matures 21 years from opening.
How much can be deposited in a year?
Between ₹250 and ₹1,50,000 in a financial year. A missed minimum makes the account irregular until it is revived with a small penalty and the missed minimums.
Can money be taken out early?
A part of the balance, up to 50% of the previous year-end balance, can be withdrawn for education or marriage once the girl turns 18. Closing the account before maturity is allowed only in limited cases. This calculator does not model withdrawals.
Why might another calculator show a different amount?
Calculators differ in the rate they use, how they treat the month of deposit, and whether they count interest on the lowest balance each month. This one works through every month and each quarter’s notified rate, with deposits in April.