{"id":7309,"date":"2025-07-02T11:15:47","date_gmt":"2025-07-02T11:15:47","guid":{"rendered":"https:\/\/lemonn.co.in\/blog\/?post_type=glossary&#038;p=7309"},"modified":"2025-07-02T11:15:48","modified_gmt":"2025-07-02T11:15:48","slug":"sukanya-samriddhi-yojana-interest-rate","status":"publish","type":"glossary","link":"https:\/\/lemonn.co.in\/blog\/glossary\/sukanya-samriddhi-yojana-interest-rate\/","title":{"rendered":"Sukanya Samriddhi Yojana Interest Rate 2025"},"content":{"rendered":"<p>As of July 2025, the <strong>Sukanya Samriddhi Yojana (SSY)<\/strong> continues to offer an attractive annual interest rate of <strong>8.2%<\/strong>, unchanged for the July&#x2013;September 2025 quarter.<\/p>\n\n\n\n<h2 id=\"key-features-of-ssy-in-2025\" class=\"wp-block-heading\">Key Features of SSY in 2025<\/h2>\n\n\n\n<ul class=\"wp-block-list\">\n<li><strong>Interest Rate<\/strong>: 8.2% per annum (compounded annually).<\/li>\n\n\n\n<li><strong>Minimum Deposit<\/strong>: &#x20B9;250 per financial year.<\/li>\n\n\n\n<li><strong>Maximum Deposit<\/strong>: &#x20B9;1.5 lakh per financial year.<\/li>\n\n\n\n<li><strong>Maturity Period<\/strong>: 21 years from the date of account opening.<\/li>\n\n\n\n<li><strong><a class=\"glossaryLink\"  href=\"https:\/\/lemonn.co.in\/blog\/glossary\/tax\/\"  data-gt-translate-attributes='[{\"attribute\":\"data-cmtooltip\", \"format\":\"html\"}]'  tabindex='0' role='link'>Tax<\/a> Benefits<\/strong>: Investments, interest earned, and maturity amount are all tax-exempt under <a class=\"glossaryLink\" href=\"https:\/\/lemonn.co.in\/blog\/glossary\/section-80c\/\" data-gt-translate-attributes='[{\"attribute\":\"data-cmtooltip\", \"format\":\"html\"}]' tabindex=\"0\" role=\"link\">Section 80C<\/a>.<\/li>\n<\/ul>\n\n\n\n<h2 id=\"example-potential-returns\" class=\"wp-block-heading\">Example: Potential Returns<\/h2>\n\n\n\n<p>If you invest &#x20B9;1,000 per month (&#x20B9;12,000 annually) for 15 years:<\/p>\n\n\n\n<ul class=\"wp-block-list\">\n<li><strong>Total Investment<\/strong>: &#x20B9;1.8 lakh<\/li>\n\n\n\n<li><strong>Estimated Maturity Amount<\/strong>: Over &#x20B9;5 lakh after 21 years.<\/li>\n<\/ul>\n\n\n\n<p>This demonstrates how regular, modest investments can accumulate into a substantial corpus for your daughter&#x2019;s future education or marriage <a class=\"glossaryLink\" href=\"https:\/\/lemonn.co.in\/blog\/glossary\/expense\/\" data-gt-translate-attributes='[{\"attribute\":\"data-cmtooltip\", \"format\":\"html\"}]' tabindex=\"0\" role=\"link\">expenses<\/a>.<\/p>\n\n\n\n<h2 id=\"how-to-open-an-ssy-account\" class=\"wp-block-heading\">How to Open an SSY Account<\/h2>\n\n\n\n<p>You can open an SSY account at any authorized post office or participating bank branch. Required documents include:<\/p>\n\n\n\n<ul class=\"wp-block-list\">\n<li>Birth certificate of the girl child.<\/li>\n\n\n\n<li>Identity and address proof of the parent or guardian.<\/li>\n\n\n\n<li>Initial deposit amount (minimum &#x20B9;250).<\/li>\n<\/ul>\n\n\n\n<h2 id=\"upcoming-reviews\" class=\"wp-block-heading\">Upcoming Reviews<\/h2>\n\n\n\n<p>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&#x2013;December quarter.<\/p>\n\n\n\n<p>The Sukanya Samriddhi Yojana remains a secure and high-<a class=\"glossaryLink\"  href=\"https:\/\/lemonn.co.in\/blog\/glossary\/yield\/\"  data-gt-translate-attributes='[{\"attribute\":\"data-cmtooltip\", \"format\":\"html\"}]'  tabindex='0' role='link'>yield<\/a> investment option for parents aiming to secure their daughter&rsquo;s financial future. With its tax benefits and attractive interest rate, it&rsquo;s an excellent choice for long-term savings.<\/p>\n\n\n\n<p>If you need assistance with calculating potential returns or have questions about the scheme, feel free to ask!<\/p>\n","protected":false},"excerpt":{"rendered":"<p>As of July 2025, the Sukanya Samriddhi Yojana (SSY) continues to offer an attractive annual interest rate of 8.2%, unchanged for the July&#x2013;September 2025 quarter. Key Features of SSY in 2025 Example: Potential Returns If you invest &#x20B9;1,000 per month (&#x20B9;12,000 annually) for 15 years: This demonstrates how regular, modest investments can accumulate into a [&#x2026;]<\/p>\n","protected":false},"author":9,"featured_media":0,"menu_order":0,"template":"","meta":{"footnotes":""},"class_list":["post-7309","glossary","type-glossary","status-publish","hentry"],"blocksy_meta":[],"_links":{"self":[{"href":"https:\/\/lemonn.co.in\/blog\/wp-json\/wp\/v2\/glossary\/7309","targetHints":{"allow":["GET"]}}],"collection":[{"href":"https:\/\/lemonn.co.in\/blog\/wp-json\/wp\/v2\/glossary"}],"about":[{"href":"https:\/\/lemonn.co.in\/blog\/wp-json\/wp\/v2\/types\/glossary"}],"author":[{"embeddable":true,"href":"https:\/\/lemonn.co.in\/blog\/wp-json\/wp\/v2\/users\/9"}],"version-history":[{"count":1,"href":"https:\/\/lemonn.co.in\/blog\/wp-json\/wp\/v2\/glossary\/7309\/revisions"}],"predecessor-version":[{"id":7310,"href":"https:\/\/lemonn.co.in\/blog\/wp-json\/wp\/v2\/glossary\/7309\/revisions\/7310"}],"wp:attachment":[{"href":"https:\/\/lemonn.co.in\/blog\/wp-json\/wp\/v2\/media?parent=7309"}],"curies":[{"name":"wp","href":"https:\/\/api.w.org\/{rel}","templated":true}]}}