As of July 2025, the Sukanya Samriddhi Yojana (SSY) continues to offer an attractive annual interest rate of 8.2%, unchanged for the July–September 2025 quarter.
Key Features of SSY in 2025
- Interest Rate: 8.2% per annum (compounded annually).
- Minimum Deposit: ₹250 per financial year.
- Maximum Deposit: ₹1.5 lakh per financial year.
- Maturity Period: 21 years from the date of account opening.
- Tax Benefits: Investments, interest earned, and maturity amount are all tax-exempt under Section 80C.
Example: Potential Returns
If you invest ₹1,000 per month (₹12,000 annually) for 15 years:
- Total Investment: ₹1.8 lakh
- Estimated Maturity Amount: Over ₹5 lakh after 21 years.
This demonstrates how regular, modest investments can accumulate into a substantial corpus for your daughter’s future education or marriage expenses.
How to Open an SSY Account
You can open an SSY account at any authorized post office or participating bank branch. Required documents include:
- Birth certificate of the girl child.
- Identity and address proof of the parent or guardian.
- Initial deposit amount (minimum ₹250).
Upcoming Reviews
The government reviews interest rates for small savings schemes quarterly. The next review is scheduled for the end of September 2025, which will determine the rates for the October–December quarter.
The Sukanya Samriddhi Yojana remains a secure and high-yield investment option for parents aiming to secure their daughter’s financial future. With its tax benefits and attractive interest rate, it’s an excellent choice for long-term savings.
If you need assistance with calculating potential returns or have questions about the scheme, feel free to ask!
