Sukanya TrackerCalculator
Sukanya Samriddhi calculator
Not the usual compound-interest shortcut: this follows the scheme's actual rules — monthly interest on the lowest balance between the 5th and the end of the month, credited every 31 March — so the month and day you deposit change the answer.
At maturity, in
—
You deposit · interest
| Half available at 18 | |
| Deposits end | |
| Versus a lump sum every April |
Assumes the same rate for every year. The government sets it quarterly, so the real figure will differ. Track the real thing with the app.
How this calculator works
Interest on a Sukanya Samriddhi account is calculated every month on the lowest balance between the 5th and the last day of the month, and credited once a year on 31 March. That is why a deposit on the 6th earns nothing until the following month, and why a lump sum in the first week of April earns twelve months of interest in its first year while the same amount in March earns one.
The calculator runs those rules month by month for the whole 21-year term: 15 years of deposits, then six years of growth on the balance. It rounds the credited interest to the rupee each year, as the post office does.
Read more: how SSY interest is actually calculated and the best time of year to deposit.