Sukanya Samriddhi Yojana 2026: Complete Guide to Get ₹71.82 Lakh With Low Investment

For parents looking for a safe, low-risk and rewarding investment option, the Sukanya Samriddhi Yojana (SSY) remains one of the most trusted government-backed schemes in India. Designed exclusively for the girl child, this savings plan not only ensures financial security but also encourages long-term disciplined investment. Launched under the Beti Bachao, Beti Padhao initiative, SSY aims to support a girl’s education, marriage and overall future needs.

What is Sukanya Samriddhi Yojana?

Sukanya Samriddhi Yojana is a special savings account that can be opened by parents or legal guardians in the name of their daughter. The account can be opened at any authorised bank or India Post branch, provided the girl is below 10 years of age at the time of opening. The scheme is structured to grow wealth steadily over a long period through regular contributions and attractive interest.

Long-term structure that works in your favour

SSY is meant for parents or legal guardians who want to build a secure savings fund for their daughter. The account can be opened as long as the girl is below 10 years of age. Investments can be made regularly until she turns 15, after which no further deposits are required. However, the account continues to earn interest and remains active until the girl reaches 21 years. By starting early and investing small amounts consistently, parents can create a sizeable corpus for their daughter’s future.

Minimum and maximum investment limits

The scheme is accessible to families across income levels. A minimum deposit of just ₹250 per financial year is required to keep the account active, while the maximum investment allowed is ₹1.5 lakh annually. Investors can deposit the amount in one lump sum or in convenient installments, including monthly contributions, depending on their financial comfort.

Interest rate remains attractive

Currently, Sukanya Samriddhi Yojana offers an interest rate of 8.2%, which is higher than many other small savings schemes. Recently, the Central Government announced that interest rates on SSY, along with PPF and NSC, will remain unchanged for the October–December quarter of the financial year 2025–26. This notification was issued by the Finance Ministry on 30 September 2025, giving investors clarity and stability.

How wealth is created over time

The power of SSY lies in consistent investment and compounding. If a parent invests the maximum amount of ₹1.5 lakh every year from the birth of the daughter and continues this for 15 years, the total investment will be ₹22.5 lakh. For the next six years, no deposits are required, yet the interest continues to accumulate. By the end of the 21-year maturity period, the total corpus can grow to around ₹71.82 lakh, out of which approximately ₹49.32 lakh comes purely from interest.

Strong tax benefits under EEE category

Another major advantage of Sukanya Samriddhi Yojana is its tax efficiency. The scheme falls under the Exempt-Exempt-Exempt (EEE) category. Investments qualify for tax deduction under Section 80C of the Income Tax Act. The interest earned each year is completely tax-free, and the maturity amount received after 21 years is also exempt from tax. This makes SSY far more rewarding compared to many other fixed-income options.

Why Sukanya Samriddhi Yojana stands out

With government backing, guaranteed returns, a high interest rate, flexible investment options and full tax exemption, Sukanya Samriddhi Yojana is a powerful savings tool for parents. It offers peace of mind and financial stability while helping secure a daughter’s future goals. For those planning long-term, low-risk wealth creation, SSY continues to be one of the best choices available.