Check the latest Sukanya Samriddhi Yojana Interest Rate 2025, key benefits, tax savings, maturity calculation, and how to open SSY account for your daughter.
Introduction
Sukanya Samriddhi Yojana Interest Rate 2025 is one of the most searched topics for parents planning the financial future of their daughters. Launched under the Beti Bachao, Beti Padhao initiative, the Sukanya Samriddhi Yojana (SSY) is a government-backed savings scheme for girl child that offers high interest rates, tax-free returns, and long-term financial security.
In this article, we will discuss Sukanya Samriddhi Yojana Interest Rate 2025, eligibility, benefits, maturity calculation, account opening process, rules, and why SSY is one of the best small savings schemes for parents in India.
What is Sukanya Samriddhi Yojana (SSY)?
Sukanya Samriddhi Yojana is a small savings scheme for girl child where parents or guardians can deposit money in a girl’s name. The scheme aims to build funds for her higher education or marriage. Once opened, the account earns the Sukanya Samriddhi Yojana Interest Rate 2025, which is one of the highest among government small savings schemes.
Key highlights:
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Eligibility: Girl child below 10 years
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Account Duration: 21 years from account opening
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Deposit Duration: Up to 15 years
Sukanya Samriddhi Yojana Interest Rate 2025
As of October 2025, the government has kept the Sukanya Samriddhi Yojana Interest Rate 2025 at:
📈 8.2% per annum (compounded annually)
| Quarter (2025) | Interest Rate |
|---|---|
| Jan – Mar 2025 | 8.2% |
| Apr – Jun 2025 | 8.2% |
| Jul – Sep 2025 | 8.2% |
| Oct – Dec 2025 | 8.2% |
Key Features of Sukanya Samriddhi Yojana 2025
| Feature | Details |
|---|---|
| Eligible Child Age | Girl below 10 years |
| Minimum Deposit | ₹250 per year |
| Maximum Deposit | ₹1,50,000 per year |
| Interest Rate (2025) | 8.2% p.a. (compounded annually) |
| Lock-in Period | 21 years |
| Deposit Period | 15 years |
| Partial Withdrawal | After 18 years or Class 10 |
| Tax Benefit | EEE (Section 80C) |
| Account Opening Place | Post Office / Authorized Banks |
Why Sukanya Samriddhi Yojana Interest Rate 2025 Makes SSY a Smart Investment
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Higher Returns: SSY offers 8.2% which is higher than PPF (7.1%) and most fixed deposits.
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Tax-Free Maturity: Under EEE model, investments, interest, and maturity are completely tax-free.
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Government-Backed & Risk-Free: No risk of market fluctuations.
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Power of Compound Interest: Annual compounding increases savings faster.
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Long-Term Financial Discipline: Encourages consistent saving for your daughter’s future.
Sukanya Samriddhi Yojana 2025: Example Maturity Calculation
If you deposit ₹50,000 per year for 15 years:
| Details | Amount |
|---|---|
| Total Investment | ₹7,50,000 |
| Estimated Maturity | ₹15.3 Lakhs |
| Total Interest Earned | ~₹7.8 Lakhs |
| Maturity Year | 2046 |
Use an SSY maturity calculator to get precise figures based on your annual contributions. The Sukanya Samriddhi Yojana Interest Rate 2025 ensures your savings grow significantly over 21 years.
How to Open a Sukanya Samriddhi Account in 2025
Required Documents
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Girl child’s birth certificate
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Guardian’s Aadhaar / address proof
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Guardian’s ID proof
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Passport-size photograph
Steps
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Visit a Post Office or authorized bank branch
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Fill out the SSY account opening form
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Submit required documents along with minimum deposit (₹250)
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Receive the passbook after account activation
Important Rules of SSY in 2025
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Only 1 account per girl child (Max 2 per family)
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Minimum ₹250 deposit per year to keep the account active
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Penalty of ₹50 per missed year
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Premature closure allowed only in extreme cases:
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Death of guardian
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Medical emergencies
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Marriage after age 18
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SSY vs Other Investment Options (2025)
| Scheme | Interest Rate | Tax Benefit | Lock-in Period | Risk Level |
|---|---|---|---|---|
| SSY | 8.2% | EEE | 21 years | Govt-backed |
| PPF | 7.1% | EEE | 15 years | Govt-backed |
| FD | 6–7.5% | TDS | 5–10 years | Moderate |
| Mutual Funds | 10–15%* | LTCG Tax | Flexible | Market-linked |
Final Verdict: Should You Invest in SSY in 2025?
Absolutely! Sukanya Samriddhi Yojana 2025 is ideal if you:
✔ Have a daughter under 10 years
✔ Want a safe, long-term, tax-free investment
✔ Prefer higher returns than FD & PPF
✔ Are saving for your daughter’s education or marriage
With the Sukanya Samriddhi Yojana Interest Rate 2025, government security, and tax exemption, SSY remains the best savings plan for girl children in India.
❓ Frequently Asked Questions (FAQs)
Q1. Can I open an SSY account online in 2025?
Currently, account opening requires visiting a Post Office or authorized bank. Some banks offer partial online services.
Q2. Is the interest earned on SSY taxable?
No. SSY provides EEE tax benefit – investment, interest, and maturity are all tax-free.
Q3. Can I withdraw money anytime?
Withdrawals are allowed only after the girl turns 18 or for higher education/marriage purposes.
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