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Sukanya Samriddhi Yojana Interest Rate History (2025)

Dev Ashish

Updated – October 2025

The latest Sukanya Samriddhi Yojana Interest Rate is 8.20%. This is for the period Oct-Dec 2025.

So if you were looking for the SSY Interest Rate 2025 or the SSA Interest Rate 2025, then now you know that the SSY rate of interest is 8.20% at present.

For the parents of daughters, the girl-child-focused Sukanya Samriddhi Yojana Interest Rate is important as the SSY account can be used to save money for the daughter’s higher education and marriage expenses.

So, for the parents who want to know more details about Sukanya Yojana, then the very first thing to note is that the current Sukanya Samriddhi Interest Rate is 8.20% (SSY Interest Rate).

Do you want to know the Sukanya interest rate history in India over the last several years?

So let’s see the historical Sukanya Yojana interest rates

Sukanya Samriddhi Yojana Interest Rate History (Updated 2025)

The Sukanya Samriddhi interest rates for this scheme and other government-backed small savings schemes are now notified quarterly.

Here is the full history of Sukanya Account Interest Rates in India (since its launch in the year 2015):

That is some history of SSY interest rates since their launch in the year 2015 (at the time of the launch of Sukanya Samriddhi Yojana or Account, it was made very clear that this Small Savings Scheme was designed especially for girls’ higher education and marriage needs. You may like to go through this RBI notification if you want.

As you can see, the Sukanya interest rate started at 9.1% initially and then went up to 9.2% in the next financial year. After that, came a period where the interest rates are revised quarterly. So during that period, the rates gradually went lower from 8.6% to 8.1%. before falling to 7.6% and then being raised to 8.2% currently.

So, if you want to know about the latest Sukanya Samriddhi Account interest rates and want to see how the rates have changed in previous years via the history of Sukanya Yojana interest rates (SSY Interest Rates), then I hope you got your information above.

How to Calculate Interest on Sukanya Samriddhi Account Balance?

The interest for the SSY Account is calculated monthly but added back to the SSA account at the end of the financial year. Even while calculating the monthly interest, it is to be noted that the interest amount on the SSY account balance is calculated on the lowest balance in the Account between the 10th (tenth) day and the end of the month. 

Let me share some sample calculations for the SSA Account here, which will help you visualize how to calculate the Sukanya Samriddhi Yojana maturity amount.

We will use a small example and then create a Sukanya Samriddhi Yojana Chart, or, depending on the year you are reading this, the Sukanya Samriddhi Yojana Chart 2025.

The table below illustrates sample calculations for SSA, where a monthly amount of Rs 5000 is deposited. The account is opened when the girl child reaches the age of 6 years.

Have a look at the Sukanya Samriddhi Yojana calculator chart below:

As you can see in the calculation chart of Sukanya Samriddhi Yojana above, the contribution of Rs 5000 monthly is only made up to the 15th year of account opening. But the overall corpus grows to almost Rs 28.42 lakh at maturity in the 21st year.

Also, when the girl child reaches 18 years of age, an amount equal to 50% of the preceding year’s balance can be withdrawn. In the above example, this amount equals 50% of Rs 12.19 lakh, i.e. about Rs 6.10 lakh.

I have made a small Excel-based Sukanya Samriddhi Account calculator for the parents and investors who plan to invest in the Sukanya Samriddhi Account. This Sukanya Samriddhi Calculator can be used to easily estimate how much money they will receive at the time of maturity of the SSY account.

Use the link below to download it for free and to understand how to use it correctly:

Sukanya Samriddhi Yojana Calculator (Free Excel Download)

This Excel calculator can be a good starting point for you to better understand this small savings scheme focused on the girl child, which has a Sukanya Interest rate of 8.2% currently.

I have also written a super Detailed Guide on Sukanya Samriddhi Yojana (2025) for those who want to understand the Sukanya Yojana Details before investing in the scheme for their daughters.

But just as a small reminder, here are a few important details about the Sukanya Scheme:

So that completes our analysis of the Historical Sukanya Samriddhi Yojana Interest Rates in India (Updated 2025). The latest Sukanya interest rate is 8.2% (the Financial year 2025-26)

After reading about the Sukanya Samriddhi interest rate, you will have some idea about (using the Sukanya Yojana Calculation Chart and Sukanya Yojana Calculation Table) how much money can be accumulated using the SSA account and how to calculate the Sukanya Samriddhi Yojana interest at 8.2% and final maturity amount using the Sukanya Maturity Calculator. But we must not forget one thing – that generally, education inflation is much higher than just 9-10% (which the Sukanya account offers as of now).

For someone who is adamant about not taking any risk at all, i.e. for a conservative risk-averse investor, the Sukanya Samriddhi Scheme makes a lot of sense as it offers an SSY Interest rate of 8.2%, which is practically risk-free and tax-free.

But if you can bear the volatility of equity investing and can stay on course for 15-20 years, then you should invest in good equity funds using SIP. That will give you better inflation-beating returns and is a lot less restrictive when it comes to liquidity and withdrawal rules.

If you are saving for many financial goals (among which saving for your daughter’s education and marriage is also one of the goals), then you should first plan your finances properly after undergoing a comprehensive investment planning exercise:

Stable Investor’s Financial Goal Planning Service

It will help create a proper financial plan which will guide you on how to invest for all your financial goals and not just worry about using Sukanya Samriddhi Yojana’s historical interest rates or the latest Sukanya Samriddhi Yojana Interest Rate, which is Sukanya interest rate is 8.2% (for the Financial year 2025-26) or you can say that SSY interest rate 2025 is 8.2%.

To know more about the maturity amount, read Maturity Amount for Rs 1.5 lakh Yearly in Sukanya Account.

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