Individuals wishing to invest in the SSY scheme can use the SSY calculator to check the amount earned at maturity.

To use the SSY calculator, individuals must meet the eligibility criteria of the plan. According to this scheme, the following persons can open SSY account:

  • The girl should be an Indian citizen.
  • The girl should not be more than ten years of age.
  • Sukanya Samriddhi Yojana’s account cannot be opened for more than two girls in the same family.
  • How to use Sukanya Samriddhi Yojana calculator
  • If the person has completed the eligibility for Sukanya Samriddhi Yojana, the age of the girl child and the amount of investment that must be made should be provided in the calculator. The minimum and maximum amount to be invested in the scheme is Rs. 250 and Rs. 1.5 lakh.
  • Earlier, the minimum contribution was Rs 1,000. However, the Government of India reduced the minimum contribution to Rs 250 in July 2018.

How does SSY calculator work?

The SSY calculator, based on the information entered by the person, calculates the amount that the person will earn at maturity. The maturity of the scheme is 21 years.

Individuals must make at least one contribution in a year till the completion of 14 years. The calculator assumes that the same deposit is produced annually. No deposit is required for the period from year 15 to year 21.

However, individuals will earn interest on past contributions during this period. The calculator also acknowledges the interest that is generated when providing the final amount.

What details will you see through the SSY calculator?

The calculator shows the year when the scheme matures, the rate of interest used, and the maturity value based on the information given by the user.

Sukanya Samriddhi scheme closed on maturity

Closing the account at maturity is guided by some rules.

  • The account matures from the date of account creation on completion of 21 years. The entire maturity amount can be withdrawn at maturity, along with accrued interest.
  • If the girl for whom the account is opened, gets married before the maturity period is completed, she will withdraw the balance when she is 18 years old at the time of such withdrawal. The girl will sign an affidavit stating that at the time of her return, she is 18 years old.
  • If the girl attains the age of 18 years and gets married before the completion of 14 years, the account cannot be operated. Deposits cannot be further credited to the account even if the deposits made were not made earlier.
  • The girl child is the only authorized person who can withdraw the maturity amount. To make the withdrawal, she is required to submit the passbook and withdrawal slip of Sukanya Samriddhi Yojana.
  • If the girl marries after reaching a majority and withdraws 50 percent of the amount for the purposes of marriage, she may decide not to close the account. While new deposits cannot be made, interest will accrue from the balance before the completion of the 21 years.

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