Sukanya Samriddhi Yojana: By investing ₹1.50 lakh annually for 15 years under the Sukanya Samriddhi Yojana, you can receive ₹72 lakh. This means that you only need to invest ₹22 lakh for 15 years, and this money will more than triple.
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Sukanya Samriddhi Yojana: The Sukanya Samriddhi Yojana is a scheme to create a large fund for the future of daughters. This government scheme aims to enable parents to create a large fund for their daughters’ education and marriage expenses without worry. The interest rate of 8.2% on this scheme is the highest compared to other savings schemes. Prime Minister Narendra Modi recently announced that more than 40 million Sukanya accounts have been opened and ₹3.25 lakh crore has been deposited in them. By investing ₹1.50 lakh every year for 15 years under the Sukanya Samriddhi Yojana, one can accumulate ₹72 lakh. This means that by investing only ₹22 lakh for 15 years, this amount will more than triple.
What is the Sukanya Samriddhi Yojana?
This is a small savings scheme of the central government, launched for girls. This scheme is part of the Beti Bachao, Beti Padhao campaign. Parents or legal guardians can open an account in their daughter’s name. The account matures when the daughter turns 21.
The government’s motive behind bringing this scheme
Build a large corpus for your daughter’s education.
Financial security for marriage.
Reduce financial burden on the family.
Interest Rate – 8.2%
The government fixes the interest rate on this scheme every quarter. The interest rate for October–December 2025 is 8.2%, the highest among all small savings schemes. Interest is calculated on the minimum monthly balance and credited to the account at the end of the financial year.
How much can you invest?
Minimum investment – ₹250 annually
Maximum investment – ₹150,000 annually
Investment Period – 15 years
Account Period – 21 years
This amount can be deposited in one go or in multiple installments.
Big Tax Benefits
Taxpayers opting for the old tax regime can avail deduction under Section 80C on investments made in SSY. The best part is that the deposited amount and interest are tax-free.
How to make Rs 72 lakh?
If someone starts depositing Rs 1.5 lakh every year from the birth of their daughter, they will get a substantial corpus after 21 years.
Annual Investment – Rs 1,50,000
Investment Period – 15 years
Maturity Period – 21 Years
Interest Rate – 8.2%
Total Investment – ₹22,50,000
Total Interest – ₹49,32,119
Maturity Amount
₹71,82,119, or approximately ₹72 lakh.
This means that an investment of ₹22.5 lakh will yield a return of approximately ₹72 lakh. The special feature is that even after the deposit is closed after 15 years, the interest continues to compound for the next six years, allowing the amount to grow rapidly. The 8.2% interest rate is excellent today, as it is higher than the current fixed deposit rate. The account can be maintained with just ₹250 annually, making this scheme beneficial for families of all backgrounds.
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