Sukanya Samriddhi Yojana: Maturity Value & How It's Calculated
By the QuickYield Team · Published August 24, 2026 · 6 min read
What does a ₹1,00,000/year Sukanya Yojana deposit grow to? At the current 8.2% rate, depositing ₹1 lakh every year for 15 years grows to approximately ₹29,83,993 — on ₹15,00,000 actually deposited, that’s nearly ₹15 lakh in interest alone.
Why Sukanya Yojana exists
Sukanya Samriddhi Yojana is a government scheme built for one specific purpose: saving for a girl child’s future, usually her higher education or wedding. It can only be opened for a girl below 10 years of age, by a parent or legal guardian, and that specificity is exactly why it’s such a common, deliberate savings goal in Indian households — it’s rarely opened as a generic investment, it’s opened with a particular child and a particular future expense in mind.
How the maturity value is calculated
You deposit for 15 years from account opening (a minimum of ₹250 and up to ₹1.5 lakh a year), and the interest compounds annually on the growing balance at the government-declared rate, reviewed quarterly. The account itself matures 21 years after opening — so even after your 15 years of deposits end, the balance continues earning interest untouched until the girl turns 21 or marries after 18 (whichever the account rules permit for withdrawal).
Maturity table by yearly deposit
At the current 8.2% rate, over 15 years of deposits:
| Yearly deposit | Total deposited | Maturity value (after 15yr) |
|---|---|---|
| ₹50,000 | ₹7,50,000 | ₹14,91,996 |
| ₹1,00,000 (1 lakh) | ₹15,00,000 | ₹29,83,993 |
| ₹1,50,000 (max) | ₹22,50,000 | ₹44,75,989 |
Sukanya Samriddhi also qualifies for Section 80C deduction and its interest and maturity are fully tax-free — the EEE (exempt-exempt-exempt) status that only a handful of Indian instruments get. Run your own deposit amount and see the exact projection with our Sukanya Samriddhi Yojana Calculator.
Frequently asked questions
›Beti ke liye Sukanya account kab khol sakte hain?
Beti ki umar 10 saal se kam honi chahiye account khulwate waqt — parents ya legal guardian hi account khol sakte hain, aur ek beti ke naam par sirf ek hi account allowed hai (do beti tak, kuch special cases mein teen tak).
›Is Sukanya Samriddhi interest taxable?
No — Sukanya Samriddhi Yojana has EEE (exempt-exempt-exempt) tax status, meaning your deposits qualify for 80C deduction, the interest earned is tax-free, and the maturity amount is also fully tax-free.
›What happens if I miss a yearly deposit?
The account isn’t closed, but a small penalty (typically ₹50/year) applies, and you can regularize it by depositing the minimum ₹250 plus the penalty for the missed year — try to keep at least the minimum deposit going every year.
›Can I withdraw money before the account matures?
Partial withdrawal (up to 50% of the balance) is allowed once the girl turns 18, specifically for higher education expenses — full withdrawal is allowed at maturity or on marriage after she turns 18.
Try it yourself
Open the Sukanya Samriddhi Yojana Calculator →
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This article is for general information only and isn’t financial, tax, or legal advice. See our disclaimer.