Investment Scheme: The government operates several small savings schemes to help individuals build a substantial fund over the long term with minimal risk. Investments in these schemes are safe and offer better interest rates along with tax benefits. One such special scheme is the Post Office’s Sukanya Samriddhi Yojana (SSY). This scheme is specifically designed to secure the future of a daughter. With proper investment, it is possible to earn up to approximately Rs 50 lakhs in interest alone.
What is the Sukanya Samriddhi Yojana?
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In the Sukanya Samriddhi Yojana, parents or guardians can open an account in their daughter’s name. The daughter’s age must be less than 10 years. Investments in this scheme are made until the daughter turns 15 years old. After that, deposits stop, but the account continues until the daughter turns 21, and interest continues to accrue throughout this period. If the investment is started immediately after the daughter’s birth, a large fund can be created by depositing even small amounts every month.
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Interest Rate on SSY
The Sukanya Samriddhi Yojana offers a higher interest rate compared to other Post Office savings schemes. Currently, this scheme offers an annual interest rate of 8.2 percent. The interest rate is determined quarterly, and for the quarter from January to March 2026, it has been maintained at 8.2 per cent. This rate was fixed on December 31, 2025.
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How Much Can You Deposit?
In this scheme, a minimum deposit of Rs 250 is required in a financial year. A maximum of Rs 1.50 lakhs can be invested. You can deposit the entire amount at once or in instalments throughout the year. The option of investing a small amount every month is also available. Money is deposited into the account for 15 years, while the maturity period is 21 years.
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How to accumulate ₹50 lakh
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If a person invests ₹1.50 lakh every year from the time their daughter is born and continues this investment for 15 years, the total deposited amount will be ₹22.50 lakh. After this, for the next 6 years, only the interest will accrue without any additional investment. Upon completion of 21 years, the account will have approximately ₹71.82 lakh. Of this, about ₹49.32 lakh is earned solely through interest.
Why is this scheme special?
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The Sukanya Samriddhi Yojana is considered an excellent option for a daughter’s future due to its secure investment, high interest rate, and long-term benefits. This scheme provides strong financial support to parents for their daughter’s education, marriage, or other needs.