Sukanya Samriddhi Yojana: How Much Will You Get by Investing ₹2,000 Every Month? Complete Calculation Explained

By Siddhi Jain | Dec 21, 2025, 06:38 IST

Sukanya Samriddhi Yojana (SSY) is one of the most trusted and popular small savings schemes launched by the Government of India to secure the financial future of girl children. Backed by the central government, this scheme offers attractive interest rates, tax benefits, and guaranteed returns, making it a preferred long-term investment option for parents.

Many investors often ask a common question: If ₹2,000 is deposited every month in Sukanya Samriddhi Yojana, how much money will be received at maturity after 21 years? Let’s understand the complete calculation, including total investment, interest rate, and maturity amount, in a simple and detailed manner.

What Is Sukanya Samriddhi Yojana?

Sukanya Samriddhi Yojana was introduced under the Beti Bachao, Beti Padhao initiative. The scheme allows parents or legal guardians to open an account in the name of a girl child below the age of 10 years. The account remains active for 21 years from the date of opening, while deposits are required only for the first 15 years.

The scheme is known for offering higher interest rates than most fixed-income instruments and falls under the EEE category—meaning investment, interest earned, and maturity amount are all tax-free under Section 80C of the Income Tax Act.

Current Interest Rate of Sukanya Samriddhi Yojana

As per the latest government notification, Sukanya Samriddhi Yojana currently offers an annual interest rate of around 8.2%, compounded yearly. The interest rate is reviewed and revised by the government every quarter, but investments already made continue to earn returns based on the applicable rates.

Monthly Investment of ₹2,000: How It Adds Up

If you choose to deposit ₹2,000 every month, your annual contribution will be:

Monthly deposit: ₹2,000
Annual investment: ₹24,000
Total investment period: 15 years

Total Amount Invested

₹24,000 × 15 years = ₹3,60,000

Even though deposits stop after 15 years, the account continues to earn interest for the full 21-year tenure, which significantly boosts the final amount.

Maturity Amount After 21 Years

With an assumed average interest rate of 8.2% per annum, a total investment of ₹3.6 lakh can grow substantially due to long-term compounding.

Estimated Maturity Value

After 21 years, the total maturity amount is estimated to be around:

👉 ₹10.5 lakh to ₹11 lakh (approx.)

This means the interest earned alone can be nearly ₹7 lakh, which is almost double the total invested amount.

Note: The final maturity amount may vary slightly depending on changes in interest rates announced by the government over the years.

Why Small Monthly Investments Make a Big Difference

One of the biggest advantages of Sukanya Samriddhi Yojana is the power of compounding over a long period. Even a modest monthly contribution like ₹2,000 can grow into a large corpus when invested early and allowed to compound uninterrupted for 21 years.

This makes SSY ideal for long-term goals such as:

Higher education of a girl child
Marriage expenses
Financial security and independence

Key Benefits of Sukanya Samriddhi Yojana

Government-backed safety: Zero market risk
High interest rate: Better returns than most fixed deposits
Tax benefits: Investment qualifies for Section 80C deduction
Tax-free returns: No tax on interest or maturity amount
Flexible deposits: Minimum ₹250 and maximum ₹1.5 lakh per year

Important Rules to Remember

Account can be opened only for a girl child below 10 years
Maximum two accounts per family (exceptions apply)
Partial withdrawal of up to 50% allowed after the girl turns 18
Premature closure allowed only under specific conditions

Final Takeaway

If you invest ₹2,000 every month in Sukanya Samriddhi Yojana, your total investment of ₹3.6 lakh can grow to over ₹10 lakh by the time the account matures after 21 years. With guaranteed returns, tax-free benefits, and long-term security, SSY remains one of the best savings schemes for parents planning their daughter’s future.

Disclaimer:
The calculations provided in this article are based on current interest rates and standard assumptions. Actual returns may vary depending on future changes in government-declared interest rates. Investors are advised to consult official sources or financial experts before making investment decisions.