Planning for a daughter’s education, wedding expenses, and long-term financial security is a major concern for most parents. At a time when market-linked investments carry uncertainty, the Sukanya Samriddhi Yojana (SSY) continues to stand out as one of the safest and most rewarding small-savings schemes for girl children in India. Backed by the government and offering a guaranteed return, the scheme provides parents the assurance of stability along with steady growth for their long-term goals.

In 2025, the Sukanya Samriddhi Yojana offers an attractive fixed interest rate of 8.20% per annum, making it one of the highest-return small-savings options available today. The interest rate remains constant throughout the year, ensuring that the corpus is shielded from market volatility. For families looking for long-term, risk-free growth, the scheme offers both security and a strong compounding benefit.

The structure of the scheme is one of its biggest advantages. Once the account is opened in the name of a girl child, it remains active for 21 years. However, parents need to make deposits only during the first 15 years. The remaining six years (Year 16 to Year 21) continue to earn compounded interest at 8.20% annually, even without additional contributions. This compounding phase helps the final maturity amount grow significantly, turning small monthly savings into a substantial financial fund by the time the account matures.

This combination of disciplined saving and long-term compounding makes SSY one of the most efficient tools for building a future corpus for the girl child.

Parents often want to understand the exact returns they can expect from SSY. Assuming you deposit ₹5,000 per month, here is how your savings will grow over time:

• Total investment over 15 years: ₹9,00,000

• Interest rate: 8.20% per annum (compounded annually)

• Estimated maturity amount after 21 years: Approximately ₹25 lakh

Despite investing for only the first 15 years, the benefit of compounding over the full 21-year period ensures that the maturity amount grows much larger than the total investment. This makes SSY ideal for long-term financial planning with minimal risk.

To help parents plan better, here is an approximate return chart based on different monthly investment amounts:

• Monthly deposit: ₹1,000

  • Total investment in 15 years: ₹1,80,000

  • Estimated maturity amount after 21 years: ₹5 lakh

• Monthly deposit: ₹3,000

  • Total investment in 15 years: ₹5,40,000

  • Estimated maturity amount after 21 years: ₹15 lakh

• Monthly deposit: ₹5,000

  • Total investment in 15 years: ₹9,00,000

  • Estimated maturity amount after 21 years: ₹25 lakh

• Monthly deposit: ₹12,000

  • Total investment in 15 years: ₹21,60,000

  • Estimated maturity amount after 21 years: ₹66 lakh

These projections give parents a clear idea of how even a small monthly commitment can gradually turn into a sizeable fund through the power of compounding.

Sukanya Samriddhi Yojana is especially suitable for risk-averse families who want predictable returns without worrying about market fluctuations. The scheme not only provides a high fixed interest rate but also ensures safety, tax benefits, and long-term growth in a disciplined manner.

With a moderate monthly deposit, parents can create a strong financial foundation for their daughter’s future—be it for her education, career aspirations, or marriage. Ultimately, SSY offers the peace of mind that the money invested today will grow securely and meaningfully over time.