SSY 2025: This is a great opportunity to secure your daughter’s future by investing in Sukanya Samriddhi Yojana. By investing Rs 5000 every month, you can deposit up to Rs 25 lakh tax free in 21 years. Know the interest rate, withdrawal rules and benefits of investing in this scheme.
SSY 2025 Investment for Daughter: Every parent dreams of making their daughter’s future secure. For this, Sukanya Samriddhi Yojana (SSY) is an excellent option. This scheme is supported by the Central Government and under this, not only your money is safe, but you also get attractive interest rates and completely tax free returns. It is specially designed for girls below 10 years of age. If you invest Rs 5,000 every month, then the maturity of the money deposited in 15 years can be around Rs 24-25 lakh. Know how by taking advantage of this scheme you can deposit a huge amount for your daughter’s education and marriage.
What is Sukanya Samriddhi Yojana?
- This scheme is for girls below 10 years of age.
- The account can be opened in the name of parents or legal guardian.
- You can open an account in the post office or any authorized bank.
How much can you invest in Sukanya Samriddhi and how much interest will you get?
- Minimum Deposit: Rs 250 per year
- Maximum Deposit: Rs 1.5 lakh per year
- Account Tenure: 21 years (from the date of account opening)
- Deposit Tenure: 15 years (You will invest only for 15 years, but the account will continue to earn interest for 21 years)
- Interest Rate: 8.2% per annum (as of October 2025)
- Tax benefits: Tax deduction on investment under 80C, both interest and maturity amount are tax free.
If you invest Rs 5,000 every month, how much money will you make?
| Year | annual deposit | estimated balance |
| 1 | 60,000 rupees | Rs 64,800 |
| 5 | 60,000 rupees | Rs 3.6 lakh |
| 10 | 60,000 rupees | Rs 8.75 lakh |
| 15 | 60,000 rupees | Rs 19.8 lakh |
| 18 | 0 rupees | Rs 22.5 lakh |
| 21 | 0 rupees | Rs 24.5-25 lakh |
Your money will keep growing automatically after 15 years of regular deposits, as the interest accrues for 21 years.
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Facility to withdraw money from Sukanya Samriddhi Yojana
- The entire amount can be withdrawn after 21 years of account opening.
- After age 18, partial withdrawals, up to 50%, are allowed for education or marriage expenses.
Benefits of investing in Sukanya Samriddhi Yojana
- Government Security: 100% money safe and guaranteed.
- Better interest than FD and PPF: 8.2% annual return.
- Triple Tax Benefit: Tax deduction on investment under 80C, interest tax free, maturity amount tax free
- Long Term Wealth Building: A great way to save money for your daughter’s education, marriage or future.
- Big fund from small regular investments.
Estimated Maturity Amount (as per monthly investment)
| monthly investment | annual deposit | total deposit in 15 years | Maturity amount at 21 years |
| Rs 1,000 | Rs 12,000 | 1.8 lakh rupees | 4.8-5 lakh rupees |
| Rs 2,000 | Rs 24,000 | Rs 3.6 lakh | 9.6-10 lakh rupees |
| Rs 3,000 | Rs 36,000 | Rs 5.4 lakh | Rs 14.5-15 lakh |
| Rs 4,000 | Rs 48,000 | 7.2 lakh rupees | 19-20 lakh rupees |
| Rs 5,000 | 60,000 rupees | 9 lakh rupees | 24-25 lakh rupees |
If you start investing Rs 5,000 per month from the birth of your daughter, after 21 years you will have a tax free fund of Rs 25 lakh. This scheme not only protects the future of the girl child, but also contributes to the government’s ‘Beti Bachao, Beti Padhao’ initiative.
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