How 'rich' will your daughter become with SSY? See the returns on investing 1000, 2000, 3000, 5000, and 10000 rupees per month.
Siddhi Jain June 11, 2025 04:15 PM

The government runs Sukanya Samriddhi Yojana (SSY) to improve the future of daughters and make them financially strong. If your daughter is less than 10 years old, then you can invest in this scheme in her name. Currently, SSY is getting interest at the rate of 8.2 percent. In this scheme, you have to contribute for 15 years for your daughter and this scheme matures in 21 years. The younger you start investing in it, the sooner you will be able to use the maturity amount for your daughter. If you start investing in Sukanya Samriddhi from the time of her birth, then by the time your daughter turns 21, a good amount will be ready for her. Know how rich your daughter will become by investing 1000, 2000, 3000, 5000, and 10000 rupees per month.

If you want to deposit 1000 rupees monthly in this scheme, then you will have to deposit 12 thousand rupees annually. According to the SSY calculator, you will invest a total of 1,80,000 rupees in 15 years and you will get an interest of 3,74,206 rupees. In this way, you will get a total of 5,54,206 rupees on maturity.

If you deposit Rs 2000 per month i.e. Rs 24000 per year, then your total investment will be Rs 3,60,000 and you will get Rs 7,48,412 as interest. In this way, by adding the amount invested and the interest, the total amount will be Rs 11,08,412.

At the rate of Rs 3000 per month, you will have to deposit a total of Rs 36000 per year. In this way, your total investment will be Rs 5,40,000. According to the current interest rate, you will get Rs 11,22,619 as interest. On maturity, you will get a total of Rs 16,62,619.

If you invest Rs 4000 per month in Sukanya Samriddhi Yojana, then you will have to deposit Rs 48000 annually. In this way, a total of Rs 7,20,000 will be deposited in 15 years, but you will get Rs 14,96,825 as interest. On maturity, you will get a total of Rs 22,16,825 for your daughter.

On the other hand, if you are able to invest up to Rs 5000 per month, then you can add a good amount of funds for your daughter through this scheme. At the rate of Rs 5000 per month, there will be an investment of Rs 60000 annually. In this way, in 15 years you will invest a total of Rs 9,00,000. If seen according to the interest rate of 8.2%, then you will get Rs 18,71,031 as interest and Rs 27,71,031 on maturity.

If you invest Rs 10,000 every month, then you will invest a total of Rs 1,20,000 in a year. At the rate of 8.2 percent, you will get an interest of Rs 37,42,062 on this and the maturity amount will be Rs 55,42,062.

You can invest a minimum of Rs 250 and a maximum of Rs 1.50 lakh annually in Sukanya Samriddhi Yojana. If you deposit Rs 1,50,000 annually, then on maturity your daughter will be the owner of Rs 69,27,578 or about 70 lakh rupees.

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