Jira & Confluence 
Bitrix24 Sukanya Samriddhi · 8.2% · year-wise
Sukanya Samriddhi calculator — year-wise balance and maturity value for your daughter
Short answer. Put in what you deposit each year — from ₹250 to ₹1.5 lakh — and her age today: you see the balance year by year, the interest and what the account pays after 21 years, at the 8.2% the Government set for October–December 2026. Who: parents or guardians, for a girl from birth until she turns 10; one account per girl, two girls per family (Ministry of Finance (PIB, January 2026)).
- Next yearly deposit — early in April earns interest for the whole yeartype the date
- Last year of deposits — 15 years after openingtype the date
- Account matures — 21 years after openingtype the date
Check your own case.
From the scheme rules as described by the Ministry of Finance: deposits for 15 years from opening, maturity 21 years from opening.
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Sukanya Samriddhi · 8.2% · year-wise
Your daughter's account — what you deposit, the interest and the maturity value
Put in the yearly deposit, the rate and her age today. You see what you deposit in 15 years, the balance when deposits stop, the interest and the maturity value after 21 years, plus a year-wise Excel with a deposit log. No sign-up.
- Deposit early in April: the whole year then earns interest.
- Take her birth certificate and your Aadhaar and PAN to the post office or bank to open the account.
- Check at the start of the year and each quarter: the Ministry of Finance resets the rate every three months.
Arithmetic: one deposit at the start of each financial year for 15 years, interest compounded yearly, account maturing 21 years after opening — the method of the Government's own example (₹50,000 a year at 8.2% → ₹23,94,040). Rate 8.2%, unchanged for October–December 2026 (DEA, 30.09.2026). Deposits above ₹1,50,000 a year earn no interest. Not financial advice.
Meera, Layers template assistant
Tell me the yearly deposit and her age, and I will show the year-wise balance and the maturity value.
The Excel file keeps a log of every deposit.
Deadlines
The rules, with the source
| What | Deadline | Source |
|---|---|---|
| Who | Parents or guardians, for a girl from birth until she turns 10; one account per girl, two girls per family | Ministry of Finance (PIB, January 2026) |
| Deposit | At least ₹250 a year, in multiples of ₹50, up to ₹1,50,000 in a financial year; for 15 years from opening | Ministry of Finance (PIB) |
| Interest | Calculated monthly, credited at the end of each financial year; 8.2% a year, unchanged for October–December 2026 | DEA office memorandum 30.09.2026 |
| Education | Up to 50% of the previous year's balance once she is 18 or has passed class 10 | Ministry of Finance (PIB) |
| Maturity | 21 years from opening; early closure for her marriage after 18 | Ministry of Finance (PIB) |
Check at the start of the year: the rate is reset every quarter, and the calculator assumes today's 8.2% for all 21 years. Deposits are taken at the start of each financial year, as in the Government's own example (₹50,000 a year → ₹23,94,040).
Step by step
What to do, in order
1
Choose the yearly deposit
From ₹250 to ₹1.5 lakh — monthly deposits add up the same way.
2
See every year
Her age, the deposit, the interest and the closing balance for 21 years.
3
Open and keep the log
Documents checklist and a deposit log with passbook references.
Questions
What is the Sukanya Samriddhi interest rate now?
8.2% a year. The Ministry of Finance kept small savings rates unchanged for October–December 2026 (office memorandum of 30 September 2026). The rate is reviewed every quarter.
How much will I get if I deposit ₹50,000 a year?
About ₹23,94,040 after 21 years at 8.2%: ₹7,50,000 deposited over 15 years and ₹16,44,040 interest — the same example the Government publishes.
For how many years do I deposit?
For 15 years from the date of opening. The account keeps earning interest until it matures 21 years after opening.
Can she use the money for college?
Yes: up to 50% of the balance at the end of the previous financial year, once she is 18 or has passed class 10, against an admission offer or fee slip.
What if I deposit ₹1,000 every month?
That is ₹12,000 a year. The calculator assumes one deposit at the start of the year; monthly deposits earn a little less interest in the first months.
Is it free? Do I need to sign up?
It is free and you do not need to sign up: fill in, see the result and download the file. With a free account you can save a copy to your Layers and come back to it later.
Official sources
- Ministry of Finance, Department of Economic Affairs — Revision of interest rates for Small Savings Schemes for Q3 2026-27 (30.09.2026)
- Ministry of Finance, Department of Economic Affairs — Small Savings (notifications and rates)
- Press Information Bureau — From Savings to Strength: Sukanya Samriddhi Yojana (January 2026)
Other documents
Keep the papers in one place
Letters, receipts and notices in one folder you can share with family or a lawyer. The templates and the editor are free; Layers is free for up to 20 people.
A savings plan, not financial advice. The future rate is not known; this plan assumes today's rate.