Aarambha: Learn & InvestSukanya Samriddhi is a government savings account for a girl under 10. You put money in for 15 years, and it keeps earning tax-free until 21 years after you open it. See what your yearly deposits could build for her, and how old she'll be when the money is ready.
Your numbers
One lakh rupees
₹250 to ₹1.5 lakh a year, for 15 years.
8.2% for October to December 2026; reset every quarter.
Value at maturity
₹47,88,079
Matures 21 years after opening, when she's 23.
- You deposit, over 15 years
- ₹15,00,000
- Interest earned
- ₹32,88,079
Rate for October to December 2026 · Checked 5 November 2026 by Prashanth Sekhar
Estimates for education, not tax, legal or investment advice. Report a wrong number
Understand your result
Sukanya Samriddhi is a government savings account for a girl under 10. You deposit for 15 years; it keeps earning until it matures 21 years after opening.
At 8.2% it pays more than most safe options, and the interest and maturity are tax-free. It's a good base for her education, with some of the goal left to growth investments.
A common mistake
Thinking it matures when she turns 21. It matures 21 years after opening, so opening early means the money is ready when she needs it.
How it's worked out
Deposit at the start of each of the first 15 years; each year, value × (1 + rate), for all 21 years.
Assumptions
- Rate: 8.2% for October to December 2026, assumed to stay the same.
- For a girl below 10. Deposits go in by 5 April. No withdrawals or early closure.
- Deposits count under 80C only in the old regime; interest and maturity are tax-free.
Sources
Updates
- 5 November 2026: Published. Rules checked against the Income-tax Act, 2025, the Finance Act, 2026 and the official October to December 2026 rates.
Questions people ask
What is the Sukanya Samriddhi rate now?
8.2% a year for October to December 2026. It's reviewed every quarter.
When can she withdraw?
Up to 50% for her education once she turns 18 or finishes class 10. The account can close early for her marriage after 18.
What if I miss a year?
The account becomes irregular. You can revive it by paying the missed minimum of ₹250 a year with a ₹50 penalty for each year.
How many accounts can I open?
One per girl, and up to two per family (three with twins or triplets).