Sukanya Samriddhi Yojana Interest Rate

The Ministry of Finance sets small savings rates every quarter. For July–September 2026 the Sukanya Samriddhi Yojana pays 8.2% a year, yearly. The rate was the same in every quarter from October–December 2024 to July–September 2026.

Rules.

• Term: 21 years from opening (or marriage after 18); deposits for 15 years
• Minimum deposit: ₹250 per financial year
• Maximum: ₹1,50,000 per financial year
• Opened by guardian for girl child below 10 years.
• One account per girl; max two girls per family (more for twins/triplets).
• Deposits in multiples of ₹50, up to completion of 15 years from opening.
• Default if ₹250 not deposited in a financial year; revival ₹250 + ₹50 per defaulted year.
• Interest on lowest balance between close of 5th day and end of month; credited at financial year end.
• Withdrawal up to 50% of previous financial year-end balance after age 18 or passing 10th.
• Closure on marriage after 18 (not earlier than 1 month before / later than 3 months after marriage).

Tax. Deposits qualify for Section 80C (now section 123 of the Income-tax Act, 2025); interest tax free. India Post states these rules under the Income-tax Act, 1961; from 1 April 2026 the Income-tax Act, 2025 applies with new section numbers.

Work out the maturity value with our Sukanya Samriddhi calculator.

Questions

What is the Sukanya Samriddhi Yojana interest rate now?

8.2% a year for July–September 2026, as notified by the Ministry of Finance.

How is the interest paid?

Yearly.

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