SSY Calculator India 2026 — Sukanya Samriddhi Yojana Returns
Apni beti ki Sukanya Samriddhi Yojana maturity amount calculate karo year-by-year breakdown ke saath. Beti ki umar, saalana deposit daalo aur current 8.2% rate par complete tax-free returns dekho.
SSY Returns Calculate Karo
Saal-dar-Saal SSY Growth
| Year | Umar | Deposit | Interest Earned | Balance |
|---|
Sukanya Samriddhi Yojana (SSY) kya hai?
Sukanya Samriddhi Yojana (SSY) ek government-backed savings scheme hai jo January 2015 mein Beti Bachao, Beti Padhao campaign ke under launch hui thi. Yeh scheme specially parents ko encourage karti hai ki wo apni beti ki future education aur shaadi ke kharche ke liye bachat karein. Yeh scheme sabse zyada interest rates deti hai sabhi government small savings schemes mein aur complete tax-free returns provide karti hai.
SSY accounts kisi bhi post office ya authorized commercial bank mein khol sakte hain. Account beti ke naam par natural ya legal guardian dwara khola jata hai. Yeh scheme government guarantee ki safety ke saath attractive returns aur Section 80C ke under full tax benefits deti hai.
SSY Interest Calculation
SSY interest annually compound hota hai aur har financial year ke end mein credit hota hai. Interest har mahine ki 5 tarikh aur mahine ke end ke beech sabse kam balance par calculate hota hai. Maximum benefit ke liye har saal April ki 5 tarikh se pehle deposit karna chahiye.
SSY Interest Rate History (2014–2026)
SSY interest rate Government of India dwara quarterly review aur set kiya jata hai. Yeh scheme launch hone se ab tak ki complete rate history hai:
| Period | Interest Rate (% p.a.) |
|---|---|
| Apr 2014 – Mar 2015 | 9.10% |
| Apr 2015 – Mar 2016 | 9.20% |
| Apr 2016 – Sep 2016 | 8.60% |
| Oct 2016 – Mar 2017 | 8.50% |
| Apr 2017 – Dec 2017 | 8.40% |
| Jan 2018 – Sep 2018 | 8.10% |
| Oct 2018 – Jun 2019 | 8.50% |
| Jul 2019 – Mar 2020 | 8.40% |
| Apr 2020 – Mar 2023 | 7.60% |
| Apr 2023 – Dec 2023 | 8.00% |
| Jan 2024 – Present (2026) | 8.20% |
SSY Rules & Eligibility 2026
- Kaun khol sakta hai: 10 saal se kam umar ki beti ka natural ya legal guardian
- Umar ki seema: Account opening ke samay beti ki umar 10 saal se kam honi chahiye
- Maximum accounts: 2 betiyon ke liye 2 accounts (3rd sirf tab jab dusri delivery mein twins ho)
- Minimum deposit: ₹250 per financial year
- Maximum deposit: ₹1,50,000 per financial year
- Deposit period: Account opening se pehle 15 saal
- Maturity: Account opening se 21 saal, ya 18 ke baad shaadi par
- Partial withdrawal: Beti 18 ki hone ya Class 10 pass karne par balance ka 50% tak
- Premature closure: 18 ke baad shaadi ke liye allowed (1 mahina pehle se 3 mahine baad tak)
- Default penalty: ₹50 per year of default + minimum ₹250 per defaulted year to revive
- Kahan kholen: Koi bhi post office ya authorized banks (SBI, PNB, BOB, ICICI, Axis, HDFC, etc.)
- Transfer: Account poore India mein post offices aur banks ke beech freely transferable hai
SSY Tax Benefits — EEE Status
Sukanya Samriddhi Yojana ko Income Tax Act ke under EEE (Exempt-Exempt-Exempt) tax status milta hai, jo ise India mein sabse tax-efficient savings instruments mein se ek banata hai:
Zaroori: New tax regime (Budget 2025 se) mein Section 80C deduction available nahi hai. Lekin interest earned aur maturity amount dono old aur new regime mein completely tax-free rehte hain.
SSY vs PPF vs FD — Comparison
| Feature | SSY | PPF | Tax-Saver FD |
|---|---|---|---|
| Interest Rate | 8.20% p.a. | 7.10% p.a. | 6.50–7.25% p.a. |
| Tax Status | EEE (fully tax-free) | EEE (fully tax-free) | Interest taxable |
| Lock-in Period | 21 saal (maturity) | 15 saal | 5 saal |
| Section 80C | Haan (₹1.5L tak) | Haan (₹1.5L tak) | Haan (₹1.5L tak) |
| Eligibility | 10 se kam umar ki beti | Koi bhi Indian resident | Koi bhi Indian resident |
| Min Deposit | ₹250/year | ₹500/year | Bank par depend |
| Max Deposit | ₹1,50,000/year | ₹1,50,000/year | ₹1,50,000 (80C ke liye) |
| Loan Facility | Available nahi | 3rd to 6th year | Available |
| Partial Withdrawal | 18 ki umar / Class 10 ke baad | 7th year se | Premature closure |
| Risk | Zero (Govt backed) | Zero (Govt backed) | Low (bank risk) |
| Best For | Beti ki savings | Long-term safe savings | Short lock-in 80C |
SSY Account Kaise Kholen
Apni beti ke liye Sukanya Samriddhi Yojana account kholne ke liye yeh steps follow karo:
- Step 1: Apne nearest post office ya authorized bank branch jao (SBI, PNB, ICICI, HDFC, Axis, BOB, etc.)
- Step 2: SSY account opening form (Form-1) collect karo aur bharo
- Step 3: Beti ka birth certificate attach karo age proof ke liye
- Step 4: Guardian ka identity aur address proof do (Aadhaar, PAN, Passport, etc.)
- Step 5: Initial deposit karo (minimum ₹250, maximum ₹1,50,000)
- Step 6: SSY passbook lo — aapka account ab active hai
- Step 7: Account ko net banking ya mobile app se link karo aasaan future deposits ke liye
Tip: Bahut se banks ab SSY account opening online allow karte hain apne internet banking portal ke through. Apne bank se digital account opening ke baare mein check karo.
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2026 mein SSY interest rate kya hai?
Abhi Sukanya Samriddhi Yojana ka interest rate 8.2% per annum hai Q1 FY 2026-27 ke liye, jo annually compound hota hai. Yeh rate January 2024 se chal raha hai. Government of India har quarter mein SSY rates review karti hai. SSY sabhi government small savings schemes mein sabse zyada rates deti hai.
SSY mein maximum deposit kitna hai?
Minimum annual deposit ₹250 hai aur maximum ₹1,50,000 per financial year. Aap lump sum ya multiple instalments mein deposit kar sakte hain. Agar kisi saal minimum ₹250 deposit nahi kiya toh account irregular ho jata hai aur revive karne ke liye ₹50 per defaulted year penalty lagti hai.
Kya 2 betiyon ke liye SSY account khol sakte hain?
Haan, parent ya legal guardian maximum 2 betiyon ke liye SSY accounts khol sakte hain. Agar dusri delivery mein twin girls hain (ya triplets), toh teesra SSY account bhi allowed hai. Har beti ka sirf ek SSY account ho sakta hai sabhi banks aur post offices mein milake.
Agar SSY deposit miss ho jaye toh kya hota hai?
Agar kisi financial year mein minimum ₹250 deposit nahi kiya toh SSY account "default account" ban jata hai. Ise reactivate karne ke liye har defaulted year ke liye minimum deposit (₹250), plus ₹50 per year penalty, saath mein current year ka minimum deposit dena padega. Default years mein bhi existing balance par interest milta rehta hai.
Kya father aur grandfather dono ek hi beti ke liye SSY khol sakte hain?
Nahi. Ek beti ke liye sirf ek SSY account khol sakte hain, aur wo natural parent ya legal guardian hi khol sakta hai. Grandfather tab tak SSY account nahi khol sakte jab tak wo court-appointed legal guardian na ho. Duplicate accounts allowed nahi hain aur pata chalne par band kar diye jayenge.
Kya SSY, PPF se behtar hai beti ke liye?
Haan, beti ke liye SSY generally better choice hai. SSY 8.2% interest deta hai vs PPF ka 7.1%, aur dono mein EEE tax-free status hai. 21 saal mein 1.1% ka farak significantly zyada maturity deta hai. Lekin PPF zyada flexible hai — koi bhi khol sakta hai, koi age limit nahi, aur loan aur earlier withdrawal facilities milti hain. Bahut se families beti ke liye SSY aur baaki savings ke liye PPF kholte hain.
SSY account se kab withdraw kar sakte hain?
Partial withdrawal (pichle saal ke closing balance ka 50% tak) tab allowed hai jab beti 18 saal ki ho ya Class 10 pass kare, jo bhi pehle ho. Yeh higher education expenses ke liye hai. Full withdrawal maturity par milta hai (account opening se 21 saal). Shaadi ke liye premature closure 18 ke baad allowed hai.
Kya SSY maturity amount taxable hai?
Nahi. SSY mein complete EEE (Exempt-Exempt-Exempt) tax status hai. Deposits Section 80C deduction ke liye qualify karti hain (₹1.5 lakh tak old tax regime mein), interest tax-free hai, aur maturity amount 100% tax-free hai. Koi TDS nahi, koi capital gains tax nahi, aur koi income tax nahi SSY returns par — old ya new tax regime dono mein.
Disclaimer: Yeh calculator sirf educational purposes ke liye estimates provide karta hai. SSY interest rate Government of India dwara quarterly revision ke adheen hai. Actual returns deposit timing, tenure ke dauran rate changes, aur compounding methodology par depend karte hain. Priyanka Personal Finance koi financial product nahi bechti. Investment decisions lene se pehle SEBI-registered advisor se consult karo.