SSY (Sukanya)
Yearly deposits split the same annual contribution into 1 payments. The balance chart and schedule remain annual summaries; the annual total does not change.
Assumptions
Account-age projection: deposits stop after account year 15, maturity at account year 21 (not the child's 21st birthday). Each model year starts at an assumed financial-year boundary; deposits before the monthly interest cutoff, annual interest credit. Exact opening dates/part-years, education withdrawals, early marriage closure and defaults are excluded. Rates can change. Account opening must have occurred before age 10.
Rules: July–September 2026, reviewed 2026-09-11.
Government of India · Sukanya scheme
Estimates are not personalised financial advice. Review assumptions before use.
Estimated maturity balance
Based on your inputs. Not guaranteed. Exact amount: ₹23,94,040.
Account years—not the child's birthday
The last six account years are growth-only in this model. Exact opening dates and early withdrawals are not modelled.- Account age now0 yearsChild age at opening: 2
- Contribution years remaining15 yearsDeposits stop after account year 15
- Time to account maturity21 yearsChild age then: 23
The last six account years are growth-only in this model. Exact opening dates and early withdrawals are not modelled.
View detailed breakdown
Contributions are money added during the year; growth is the change generated by the assumed return.
Why do contributions stop before maturity?
The model separates the contribution window from the remaining growth period. Review the account age and assumed rate in the annual schedule.
Detailed results
| Result | Value |
|---|---|
| Estimated maturity balance | ₹23.94 lakh |
| Opening balance | ₹0 |
| Future contributions | ₹7.5 lakh |
| Future interest | ₹16.44 lakh |
| Years modelled | 21 years |
| Child age at maturity | 23 years |
Schedule
| Year | Opening balance | Contributed | Growth | Closing balance |
|---|---|---|---|---|
| 1 | ₹0 | ₹50,000 | ₹4,100 | ₹54,100 |
| 2 | ₹54,100 | ₹50,000 | ₹8,536 | ₹1.13 lakh |
| 3 | ₹1.13 lakh | ₹50,000 | ₹13,336 | ₹1.76 lakh |
| 4 | ₹1.76 lakh | ₹50,000 | ₹18,530 | ₹2.45 lakh |
| 5 | ₹2.45 lakh | ₹50,000 | ₹24,149 | ₹3.19 lakh |
| 6 | ₹3.19 lakh | ₹50,000 | ₹30,229 | ₹3.99 lakh |
| 7 | ₹3.99 lakh | ₹50,000 | ₹36,808 | ₹4.86 lakh |
| 8 | ₹4.86 lakh | ₹50,000 | ₹43,926 | ₹5.8 lakh |
| 9 | ₹5.8 lakh | ₹50,000 | ₹51,628 | ₹6.81 lakh |
| 10 | ₹6.81 lakh | ₹50,000 | ₹59,962 | ₹7.91 lakh |
| 11 | ₹7.91 lakh | ₹50,000 | ₹68,979 | ₹9.1 lakh |
| 12 | ₹9.1 lakh | ₹50,000 | ₹78,735 | ₹10.39 lakh |
| 13 | ₹10.39 lakh | ₹50,000 | ₹89,291 | ₹11.78 lakh |
| 14 | ₹11.78 lakh | ₹50,000 | ₹1.01 lakh | ₹13.29 lakh |
| 15 | ₹13.29 lakh | ₹50,000 | ₹1.13 lakh | ₹14.92 lakh |
| 16 | ₹14.92 lakh | ₹0 | ₹1.22 lakh | ₹16.14 lakh |
| 17 | ₹16.14 lakh | ₹0 | ₹1.32 lakh | ₹17.47 lakh |
| 18 | ₹17.47 lakh | ₹0 | ₹1.43 lakh | ₹18.9 lakh |
| 19 | ₹18.9 lakh | ₹0 | ₹1.55 lakh | ₹20.45 lakh |
| 20 | ₹20.45 lakh | ₹0 | ₹1.68 lakh | ₹22.13 lakh |
| 21 | ₹22.13 lakh | ₹0 | ₹1.81 lakh | ₹23.94 lakh |