The Sukanya Samriddhi Yojana (SSY) is widely regarded as one of the most reliable government-backed savings schemes for securing a girl child’s future. Launched by the central government, this scheme is designed to help parents build a strong financial corpus for their daughter’s education, career, and marriage. What makes SSY especially attractive is its guaranteed returns, tax benefits, and tax-free maturity amount.

If you are planning to invest ₹2,000 every month in Sukanya Samriddhi Yojana, here is a detailed explanation of how much money you can expect at maturity, along with interest rates, total investment, and withdrawal rules.

Sukanya Samriddhi Yojana is a long-term savings scheme exclusively meant for the girl child. An SSY account can be opened in the name of a girl who is below 10 years of age. The account can be opened at post offices and authorized banks across India.

Under this scheme:

• Minimum annual deposit: ₹250

• Maximum annual deposit: ₹1.5 lakh

• Investment period: 15 years

• Account maturity: 21 years from the date of opening

Even though contributions stop after 15 years, the invested amount continues to earn interest for the remaining 6 years, which significantly boosts the final corpus.

As of now, Sukanya Samriddhi Yojana offers an annual interest rate of 8.2%, which is decided by the central government every quarter. This rate is generally higher than most fixed deposits and small savings schemes.

SSY also falls under the EEE (Exempt-Exempt-Exempt) category:

• Investments qualify for tax deduction under Section 80C

• Interest earned is tax-free

• Maturity amount is completely tax-free

If you deposit ₹2,000 per month, your yearly contribution comes to ₹24,000.

Since deposits are required only for 15 years, the total investment over this period will be:

₹24,000 × 15 years = ₹3,60,000

Assuming the interest rate remains around 8.2% annually and compounding continues as per SSY rules, the account will keep earning interest for a total of 21 years.

At maturity, the total amount is estimated to be between ₹9.6 lakh and ₹10 lakh.

Despite investing only ₹3.6 lakh, the power of long-term compounding allows the corpus to grow to nearly three times the invested amount.

The final corpus under Sukanya Samriddhi Yojana varies depending on how much you invest each month:

• ₹1,000 per month → Around ₹4.8–₹5 lakh after 21 years

• ₹2,000 per month → Around ₹9.6–₹10 lakh

• ₹3,000 per month → Around ₹14.5–₹15 lakh

• ₹4,000 per month → Around ₹19–₹20 lakh

• ₹5,000 per month → Around ₹24–₹25 lakh

These figures clearly show how increasing monthly contributions can significantly enhance long-term wealth creation.

Let’s take an example of investing ₹5,000 per month (₹60,000 annually):

• After 1 year: Balance grows to around ₹64,800

• After 5 years: Around ₹3.6 lakh

• After 10 years: Nearly ₹8.75 lakh

• After 15 years (investment stops): Around ₹19.8 lakh

• After 21 years (maturity): Approximately ₹24.5 lakh

Even without deposits in the final six years, interest alone adds a substantial amount to the corpus.

The full maturity amount can be withdrawn after 21 years from the date of opening the account. However, partial withdrawals are allowed:

• Once the girl turns 18 years old

• Up to 50% of the account balance can be withdrawn for higher education

The remaining amount is paid at maturity.

Sukanya Samriddhi Yojana stands out because it combines government security, high interest rates, and tax efficiency. The scheme carries minimal risk and ensures disciplined savings over a long period. For parents who want a safe and guaranteed financial plan for their daughter’s future, SSY remains one of the best options available today.

By starting early and investing consistently—even as little as ₹2,000 per month—you can create a strong and dependable financial foundation for your child’s important life goals.