For those who want to build a large fund over the long term without risk, the central government’s small savings schemes are considered a reliable option. One such scheme is the Post Office’s Sukanya Samriddhi Yojana, which was launched specifically to secure the future of daughters. This scheme not only offers guaranteed returns but also provides tax benefits and a high interest rate.
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Under the Sukanya Samriddhi Yojana, parents can open an account in their daughter’s name. Investments in this scheme can be started after the daughter’s birth, and deposits can be made for a maximum of 15 years. However, the scheme matures 21 years after the account opening date, at which time the entire amount can be withdrawn. Importantly, even after investing for 15 years, interest continues to accrue on the deposited amount for the next 6 years.
If the investment is started immediately after the daughter’s birth, a large fund can be created in the future by depositing a small amount every year. After 15 years of regular investment, deposits can be stopped, but interest continues to accrue until the completion of the 21 years. This is why this scheme offers excellent returns in the long term.
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Currently, the Sukanya Samriddhi Yojana offers an interest rate of 8.2 percent, which is the highest among all Post Office small savings schemes. This interest rate is determined every quarter and has been maintained at 8.2 percent for the quarter from January to March 2026. The government announced this on December 31, 2025.
The investment rules in this scheme are also very simple. A minimum deposit of Rs 250 is required in a financial year, while the maximum investment limit is Rs 1.50 lakh. Investors can deposit the entire amount at once or invest in monthly installments. This flexibility makes it easy for the middle class as well.
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If a person invests ₹1.50 lakh every year from the time their daughter is born and continues to deposit this amount for 15 years, the total amount invested will be ₹22.50 lakh. At an interest rate of 8.2 percent, this amount grows to approximately ₹71.82 lakh at maturity. Of this, about ₹49.32 lakh is earned solely through interest, which is the biggest strength of this scheme.