If you're looking for a secure and rewarding way to build a bright future for your daughter, Sukanya Samriddhi Yojana (SSY) can be a game-changing savings plan. Launched by the Government of India under the ‘Beti Bachao, Beti Padhao’ initiative, this scheme allows parents or guardians to build a substantial corpus for their girl child’s education, marriage, or other important life events with small monthly contributions.
Minimum Deposit: ₹250/month
Example Monthly Investment: ₹833
Investment Duration: 15 years
Maturity Period: 21 years from account opening
Interest Rate: Currently 8.2% (compounded annually)
Maturity Value: Approx. ₹4,61,839 on monthly deposits of ₹833
Tax Benefits: Exempt under Section 80C of the Income Tax Act
Partial Withdrawal: Allowed up to 50% after the girl turns 18
Account Opening Age: Before the girl turns 10 years old
Account Limit: Maximum of 2 daughters per family (exceptions for twins/triplets)
| Criteria | Details |
|---|---|
| Year of Start | 2025 |
| Annual Investment | ₹10,000 |
| Total Investment (15 yrs) | ₹1,50,000 |
| Total Interest Earned | ₹3,11,839 |
| Maturity Year | 2042 |
| Total Maturity Amount | ₹4,61,839 |
Government-backed scheme: Zero risk on investment
High returns: Better than most fixed deposits
Tax-free maturity: EEE status – exempt on investment, interest, and maturity
Early withdrawal flexibility: Ideal for education needs
The girl child must be a citizen of India
Account can be opened before she turns 10
Maximum 2 accounts per family, unless twins/triplets
The guardian must operate the account until the girl turns 18
You can open a Sukanya Samriddhi account at any authorized post office, public sector bank, or participating private banks across India.
By investing just ₹833 per month, you can unlock a future worth over ₹4.6 lakh for your daughter. Start early, invest consistently, and secure her dreams with the power of Sukanya Samriddhi Yojana.
For more details, visit the official website of India Post or National Savings Institute.
