Sukanya Samriddhi Yojana: Invest ₹5,000 Monthly in Sukanya Samriddhi Yojana and Get ₹25 Lakh Return — Full Calculation Explained!
Sukanya Samriddhi Yojana: Secure Your Daughter’s Future with a Guaranteed, Tax-Free Return
If you’re a parent looking to build a secure financial future for your daughter, the Sukanya Samriddhi Yojana (SSY) is one of the most reliable and high-return savings schemes in India. Backed by the Central Government, this small savings plan offers guaranteed returns, attractive interest rates, and complete tax exemption, making it an ideal long-term investment for your child’s education and marriage.
Let’s understand how much you can earn if you invest ₹5,000 per month in the scheme — and why it’s considered one of the most rewarding plans under the “Beti Bachao, Beti Padhao” initiative.
What is Sukanya Samriddhi Yojana (SSY)?
Sukanya Samriddhi Yojana is a government-backed savings scheme launched exclusively for girls below 10 years of age. Parents or legal guardians can open an account in the girl’s name at any post office or authorized bank.
Here are the key highlights:
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Minimum Deposit: ₹250 per year
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Maximum Deposit: ₹1.5 lakh per year
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Tenure: 21 years from the date of account opening
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Deposit Period: 15 years (you only invest for 15 years, but the account continues to earn interest for 21 years)
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Current Interest Rate: 8.2% per annum, compounded annually (as of October 2025)
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Tax Benefits: Investments qualify for Section 80C deduction, and the interest + maturity amount are completely tax-free.
If You Invest ₹5,000 Monthly — Here’s the Full Calculation
Let’s assume you invest ₹5,000 per month, i.e. ₹60,000 per year, for 15 years.
At the current 8.2% annual interest rate, here’s what your returns may look like over time:
| Year | Annual Deposit | Approximate Balance |
|---|---|---|
| 1 | ₹60,000 | ₹64,800 |
| 5 | ₹60,000 | ₹3.6 lakh |
| 10 | ₹60,000 | ₹8.75 lakh |
| 15 | ₹60,000 | ₹19.8 lakh |
| 18 | ₹0 | ₹22.5 lakh |
| 21 | ₹0 | ₹24.5–₹25 lakh |
So, with a total investment of ₹9 lakh (₹5,000 per month for 15 years), you can expect a maturity amount of around ₹24–₹25 lakh — more than 2.5 times your principal.
That’s the power of annual compounding — your money continues to grow even after you stop depositing after the 15th year, as interest keeps accruing till the 21st year.
When Can You Withdraw the Money?
The full maturity amount can be withdrawn after 21 years from the date of account opening. However, early withdrawal of up to 50% of the balance is allowed once the girl turns 18 years old, to meet educational or marriage-related expenses.
This flexibility ensures you have access to funds when they’re most needed — during college or higher studies — while still growing the remaining balance until maturity.
Expected Maturity Based on Monthly Investment
| Monthly Investment | Annual Contribution | Total Deposit (15 Years) | Maturity Amount (After 21 Years) |
|---|---|---|---|
| ₹1,000 | ₹12,000 | ₹1.8 lakh | ₹4.8–₹5 lakh |
| ₹2,000 | ₹24,000 | ₹3.6 lakh | ₹9.6–₹10 lakh |
| ₹3,000 | ₹36,000 | ₹5.4 lakh | ₹14.5–₹15 lakh |
| ₹4,000 | ₹48,000 | ₹7.2 lakh | ₹19–₹20 lakh |
| ₹5,000 | ₹60,000 | ₹9 lakh | ₹24–₹25 lakh |
Why You Should Choose SSY
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Government-Backed Security: 100% guaranteed by the Government of India.
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Higher Interest Than FD or PPF: With an 8.2% annual return, it beats most bank deposits.
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Triple Tax Benefit:
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Investment qualifies for Section 80C deduction (up to ₹1.5 lakh)
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Interest earned is tax-free
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Maturity amount is also tax-free
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Long-Term Wealth Creation: Ideal for building a corpus for your daughter’s education, marriage, or startup dreams.
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Encourages Financial Discipline: Small, consistent savings lead to a significant fund through compounding.
Final Takeaway
If you start investing ₹5,000 every month in Sukanya Samriddhi Yojana as soon as your daughter is born, by the time she turns 21, you’ll have a tax-free fund of about ₹25 lakh.
This scheme not only helps parents build a secure financial future for their daughters but also supports the government’s vision of financial empowerment for girls.
In an era where safe, high-return options are rare, Sukanya Samriddhi Yojana stands out as a perfect blend of security, stability, and growth — making it a must-have investment for every family.
