Invest ₹12,500 Monthly in This Government Scheme for Your Daughter’s Future — Get ₹70 Lakh on Maturity

By Siddhi Jain | Oct 6, 2025, 13:41 IST

In today’s world of rising expenses, managing the cost of a daughter’s education and marriage can be challenging for most families. To ease this financial burden, the Government of India offers a highly secure and rewarding small savings scheme known as the Sukanya Samriddhi Yojana (SSY). Designed under the Beti Bachao Beti Padhao initiative, this plan ensures that parents can systematically save for their daughter’s future while earning guaranteed returns.

Let’s understand how investing ₹12,500 per month in this government-backed savings plan can help you build a corpus of over ₹70 lakh by the time your daughter turns 21.

What Is Sukanya Samriddhi Yojana (SSY)?

The Sukanya Samriddhi Yojana is a long-term savings scheme launched by the Government of India specifically for the financial security of girl children. It encourages parents to save regularly for their daughter’s higher education and marriage expenses. The scheme is completely risk-free as it is backed by the central government and offers attractive interest rates along with tax-free returns.

Key Features of the Scheme

Current Interest Rate: 8.2% per annum (compounded yearly).
Eligibility: A girl child below 10 years of age.
Minimum Deposit: ₹250 per year.
Maximum Deposit: ₹1.5 lakh per year.
Account Opening: Can be opened at any post office or authorized bank across India.
Number of Accounts: Only one account per girl child is allowed.
Investment Period: 15 years from the date of opening the account.
Maturity Period: 21 years from the date of account opening.
Premature Closure: Allowed in case of the girl’s marriage after she turns 18.
Tax Benefits: The deposit, interest earned, and maturity amount are all tax-free under Section 10 of the Income Tax Act, 1961.

Additionally, the account can be transferred anywhere in India, ensuring flexibility for families who move between cities.

How the Investment Works

You can deposit any amount between ₹250 and ₹1.5 lakh in a financial year, either in a lump sum or monthly installments. For example, if you invest ₹12,500 per month, your total annual investment will be ₹1.5 lakh.

Monthly Investment: ₹12,500
Annual Investment: ₹1,50,000
Investment Tenure: 15 years
Total Investment: ₹22,50,000
Interest Rate: 8.2% per annum
Maturity Period: 21 years

According to a calculation based on the SBI Securities SSY Calculator, after 21 years, the account will mature to ₹71,82,119, out of which ₹49,32,119 will be the interest earned.

This means that by investing just ₹12,500 per month for 15 years, parents can secure nearly ₹70 lakh for their daughter’s higher education or wedding expenses — a massive financial cushion for the future.

Why You Should Invest in Sukanya Samriddhi Yojana

Government-Guaranteed Safety:
As an official government scheme, SSY carries zero market risk, making it one of the safest investment avenues.
High and Fixed Returns:
With an 8.2% annual interest rate, the returns are much higher than most bank fixed deposits.
Tax-Free Earnings:
The scheme enjoys EEE (Exempt-Exempt-Exempt) status — meaning your investment, interest, and maturity amount are all exempt from taxes.
Flexible and Simple:
Even if you skip payments in a few months, you can reactivate the account by paying a small penalty and continuing your deposits.
Secures the Future of the Girl Child:
The funds can be used for higher education, professional training, or marriage expenses after the girl turns 18.

Example: Building a ₹70 Lakh Corpus

Let’s assume you start investing ₹12,500 per month when your daughter is 5 years old. You continue contributing for 15 years until she turns 20. By the time she turns 26 (21 years after opening the account), your savings will grow to nearly ₹72 lakh, providing full financial security for her education or wedding.

This long-term disciplined savings approach ensures that your daughter’s dreams are not compromised due to financial constraints.

Final Takeaway

The Sukanya Samriddhi Yojana is not just an investment plan but a commitment to your daughter’s future. With guaranteed returns, tax-free benefits, and government-backed security, it stands out as one of the best savings options for parents.

So, if your daughter is below 10 years old, open an SSY account today — start with just ₹12,500 a month and gift her a secure and prosperous future worth ₹70 lakh.