Sukanya Samriddhi Yojana Interest Rate 2025: The Government of India has launched various saving schemes that allow you to save money and create a financial corpus for your goals. Most of these schemes are fixed-income schemes wherein you get a fixed rate of interest on the amount that you invest.
The Sukanya Samriddhi Yojana (SSY) is one such scheme that offers savings with a guaranteed rate of return. Let’s understand the scheme and know more about the Sukanya Samridhi Yojana interest rates.
Sukanya Samriddhi Yojana is a fixed-income investment scheme that is meant for the girl child. The scheme was introduced by the Government under its ‘Beti Bachao Beti Padhao’ initiative. The scheme is an annual investment scheme wherein annual investments would have to be made till the scheme matures.
Sukanya Samriddhi Yojana Interest Rate 2025
| Interest Rate | 8.2% pa |
| Minimum Investment | Rs 250 in a financial year |
| Maximum Investment | Rs 1,50,000 in a financial year |
Features of SSY
Here are some of the important features of the SSY scheme –
- The scheme can be opened by the parents of a girl child after her birth and before she turns 10 years of age
- A minimum deposit of Rs.250 is required to open the SSY account. Every year a minimum of Rs.250 should be deposited to keep the account active
- The maximum deposit allowed under the scheme is Rs.1.5 lakhs
- The account matures till the age the girl child attains 21 years of age or till she gets married after 18 years of age
- Partial withdrawals are allowed from the SSY account, provided that the girl is 18 years of age. Up to 50% of the balance in the SSY account can be withdrawn
- Only one SSY account can be opened in the name of the girl child
- Deposits can be done for up to 15 years after the account is opened, and the tenure of the scheme is 21 years
Sukanya Samriddhi Yojana Interest Rate
Sukanya Samriddhi Yojana interest rate is fixed by the Government based on the yields provided by Government securities. The interest rate is also reviewed every quarter. The Sukanya Samriddhi Account interest rate, once fixed, does not change. Sukanya Samriddhi Yojana interest rates 2025 is 8.2% per annum.
How to open an account?
You can open an account in your daughter’s name with just ₹250. This account can be opened at any post office or authorized bank branch. In this scheme, one has to invest for 15 years, when the daughter turns 21 years old, the full amount is available.
Plan with online calculator
If you want to know how much money you will get by saving this much every month, you can use the Sukanya Samriddhi Yojana calculator. You just have to enter the investment amount and the complete information along with the estimated interest will be available on the screen.
| Info In Gujarati | View |
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