Sukanya Samriddhi Yojana: Parents in India are always concerned about their daughters’ secure and self-reliant future. Every guardian wants their daughter to be in a strong financial position for her career, education, and marriage. Among the many savings and investment schemes, the Central Government’s Sukanya Samriddhi Yojana remains the most reliable option.
This scheme, included in the Post Office’s small savings schemes, not only protects your deposits but also offers significantly higher interest rates than other schemes. The 8.2 percent interest rate for the quarter from October to December 2025 makes this scheme even more attractive, making it easier to build a substantial corpus for your daughter’s future.
How to Create a ₹72 Lakh Fund
The most distinctive feature of the Sukanya Samriddhi Yojana is its compound interest model. Interest is compounded annually on the deposited amount, which, when added to the principal, generates even greater returns in subsequent years. The scheme requires investment for only 15 years, while the account matures in 21 years. This means that even if you don’t deposit a single rupee in the last six years, you’ll still earn interest.
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If you deposit ₹1.50 lakh every year, your total deposit in 15 years will be ₹22.50 lakh. At the current interest rate of 8.2 percent, you’ll receive approximately ₹71,82,119 upon maturity. Of this, approximately ₹49,32,119 is interest alone. This money will easily fund your daughter’s education and marriage.
Government guarantee increases trust
The Sukanya Samriddhi Yojana was launched under the Beti Bachao, Beti Padhao campaign and has now become the preferred choice of millions of families. According to Prime Minister Narendra Modi, more than ₹3.25 lakh crore has been deposited in it so far, while the number of accounts has reached over 40 million. This trust demonstrates that the scheme is completely free from market risk and extremely safe. The government reviews the interest rate quarterly, and currently, the Senior Citizen Savings Scheme offers the highest rate at 8.2 percent.
Tax Benefits
The Sukanya Samriddhi Yojana (SSY) is also an excellent tax-saving tool. Under Section 80C of the Income Tax Act, deposits under this scheme are exempted up to ₹1.5 lakh, although this benefit is only applicable to taxpayers who opt for the old tax regime. The scheme’s biggest advantage is that both the interest and maturity amount are tax-free. Consequently, it is classified under the EEE category, where investment, interest, and maturity are tax-free.
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Important Account Opening Rules
This scheme is highly flexible, with a minimum deposit of ₹250. You can increase the amount in multiples of ₹50 depending on your financial needs. A minimum annual deposit of ₹250 is required. This account can be opened by a parent or legal guardian in the name of a girl child under 10 years of age. Opening an account is easy and is available at any post office or authorised bank.