SSY Scheme: In today’s time, everyone wants to invest in a place where they can get excellent returns without any risk. If you also want to earn well in the long term without any risk, then some of the government’s small savings schemes can be a great option. Investing in these schemes is safe, provides tax benefits, and offers attractive interest rates. One such scheme is the Post Office’s Sukanya Samriddhi Yojana (SSY). Through this scheme, you can earn up to ₹50 lakh just through interest.
How to invest in the Sukanya Samriddhi Yojana
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Under the SSY scheme, you can open an account in your daughter’s name. The investment period is 15 years, and you can withdraw the entire invested amount when your daughter turns 21. If you start investing shortly after your daughter’s birth, you will have to deposit a smaller amount every month. Even after depositing for 15 years, you will continue to receive interest benefits until she turns 21.
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Interest Rate and Benefits
The Sukanya Samriddhi Yojana currently offers an annual interest rate of 8.2%, which is the highest among all Post Office schemes. The interest rate is determined on a quarterly basis. The interest rate for the January-March 2026 quarter has been set at 8.2%.
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How much can be deposited every month?
The minimum investment amount in the SSY scheme is ₹250 annually. The maximum investment can be up to ₹1.5 lakh per year. You can deposit it in a lump sum or in installments, or you can invest regularly every month. After the completion of the 15-year investment period, the maturity is at 21 years of age.
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A huge amount through interest
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If parents start investing ₹1.5 lakh every year from the time of their daughter’s birth, they will receive a total of ₹71,82,119 at the time of maturity when she turns 21. The total deposit will be ₹22,50,000, and the profit from interest alone will be ₹49,32,119.