Post Office Sukanya Samriddhi Yojana: When it comes to securing the future of a daughter, Sukanya Samriddhi Yojana (SSY) is one of the most trusted small savings schemes in India. Launched under the Beti Bachao, Beti Padhao initiative, it not only helps parents build a strong financial fund but also provides attractive interest and tax benefits. Let’s see how investing just ₹28,000 annually can turn into a huge fund over time.
Current Interest Rate 2025
As of 2025, the Sukanya Samriddhi Yojana offers 8.2% interest per annum, compounded yearly. The account can be opened for a girl child below the age of 10 and deposits can be made for 15 years. The maturity period is 21 years from the date of account opening.
Read more: Deposit ₹36,000 and Get ₹9,76,370 After Maturity Know Full Details with Calculation
Calculation of ₹28,000 Annual Investment
If parents deposit ₹28,000 every year for 15 years, here’s how the total savings will grow at 8.2% annual interest
| Yearly Deposit | Total Deposit (15 Years) | Interest Rate | Maturity Value | Total Interest Earned |
|---|---|---|---|---|
| ₹28,000 | ₹4,20,000 | 8.2% | ₹12,93,148 | ₹8,73,148 |
So, by investing only ₹28,000 every year, parents can accumulate ₹12.93 lakh by the time the scheme matures. Out of this, ₹4.20 lakh is their own investment, and a massive ₹8.73 lakh is the interest earned.
Why SSY is Perfect for Your Daughter
The scheme has three major benefits. First, it is completely safe as it is backed by the Government of India. Second, the returns are one of the highest among small savings schemes. And third, it comes with full tax benefits under Section 80C, and even the maturity amount is tax-free. For parents planning for their daughter’s higher education or marriage, this scheme works like a disciplined long-term fund that guarantees peace of mind.
Conclusion
By investing just ₹28,000 per year in the Post Office Sukanya Samriddhi Yojana, parents can create a secure fund of ₹12,93,148 for their daughter’s future. With government safety, high interest, and tax-free returns, SSY remains one of the best investment options in 2025 for a girl child’s financial planning.
Disclaimer
This article is only for educational and general knowledge purposes. Interest rates and maturity values may change as per government updates. Please verify the latest details from the official Post Office before making any investment decision.
