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Sukanya Samriddhi
A savings scheme for a daughter under 10, with the highest small-savings rate and tax-free returns.
Value at maturity
It matures at ₹71.8L
When your daughter is 23. You deposit ₹1,50,000 a year for 15 years (₹22,50,000 in all); the account keeps earning for 6 more. Interest and maturity are tax-free.
yrs
Accounts can be opened until she turns 10.
₹
₹250 to ₹1.5 lakh a year.
%
8.2% for Oct–Dec 2026. Reset every quarter.
You deposit
₹22.5L
over 15 years
Interest
₹49.3L
tax-free
At 18Up to 50% of the balance can be withdrawn for higher education once she turns 18.
₹48.4L
half can be withdrawn for study
Balance by her age
BalanceDeposited
Daughter’s age
Show the numbers as a table
| Age | Deposited | Balance |
|---|---|---|
| 3 | ₹1,50,000 | ₹1,62,300 |
| 4 | ₹3,00,000 | ₹3,37,909 |
| 5 | ₹4,50,000 | ₹5,27,917 |
| 6 | ₹6,00,000 | ₹7,33,506 |
| 7 | ₹7,50,000 | ₹9,55,954 |
| 8 | ₹9,00,000 | ₹11,96,642 |
| 9 | ₹10,50,000 | ₹14,57,067 |
| 10 | ₹12,00,000 | ₹17,38,846 |
| 11 | ₹13,50,000 | ₹20,43,732 |
| 12 | ₹15,00,000 | ₹23,73,618 |
| 13 | ₹16,50,000 | ₹27,30,554 |
| 14 | ₹18,00,000 | ₹31,16,760 |
| 15 | ₹19,50,000 | ₹35,34,634 |
| 16 | ₹21,00,000 | ₹39,86,774 |
| 17 | ₹22,50,000 | ₹44,75,989 |
| 18 | ₹22,50,000 | ₹48,43,020 |
| 19 | ₹22,50,000 | ₹52,40,148 |
| 20 | ₹22,50,000 | ₹56,69,840 |
| 21 | ₹22,50,000 | ₹61,34,767 |
| 22 | ₹22,50,000 | ₹66,37,818 |
| 23 | ₹22,50,000 | ₹71,82,119 |
How this is calculated
Deposits run for 15 years from opening; the account matures 21 years from opening. Interest compounds yearly.
years 1–15: (balance + deposit) × (1 + r); years 16–21: balance × (1 + r)
Deposits count toward 80C in the old regime; interest and maturity are tax-free. The rate is set each quarter and assumed constant here.