Sukanya Samriddhi
Plan a dedicated fund for your daughter’s future.
Estimated value at 21-year maturity
For illustration only. Read the assumptions below for the full picture.
Understand your result.
Project a newly opened Sukanya Samriddhi account with annual deposits for 15 years and a 21-year account term. The interest-rate input remains editable because scheme rates can change.
The term is measured from account opening, not from the child’s birth. The example assumes early annual deposits and no education withdrawals.
A worked example.
Using this calculator’s default inputs, estimated value at 21-year maturity is ₹47,88,079. This is an illustration of the stated formula, not a forecast.
See the example inputs
| Annual contribution | ₹1,00,000 |
|---|---|
| Assumed annual interest | 8.2 % |
A common mistake to avoid
Continuing to add deposits for all 21 years in a model that allows contributions only for the first 15.
Questions you might have.
Does a younger child change this projection?
For the same newly opened account and contribution schedule, the mathematical term is the same. Eligibility and actual dates still matter.
Is the displayed rate guaranteed for the term?
No. It is held constant for illustration; future notified rates can change the result.
Prepared by INDwise · Calculation checks: 29 October 2026 · How we check the maths · Report a correction
How we calculate it
Contribute at the start of each year for 15 years; compound annually for the full 21-year account term.
Assumptions & things to know
For a newly opened account for an eligible girl below age 10. Assumes deposits before 5 April and a constant interest rate. No education withdrawals or early closure. Actual maturity is 21 years from opening, not from the child’s birth.
Small savings rates · Oct–Dec 2026Source references checked 29 October 2026. Rates and rules may change.
Your privacy & sharing
Your financial inputs are used only within this page. Saved calculators use this browser’s local storage. Sharing creates a link with the entered values, so anyone with that link can see those values. A downloaded summary stays on your device.