India’s Sukanya Samriddhi Account Scheme (SSY) pays 8.2% for the Oct. 1-Dec. 31, 2026, quarter, while a 21-year model shows how rate changes and inflation affect a saver’s eventual purchasing power.
India Post lists the scheme’s annual rate at 8.2%, compounded yearly. India’s Department of Economic Affairs (DEA) also lists a rate notice for that period. The rate is set for this quarter; future small-savings rates are notified over time.
The scheme allows annual deposits of up to ₹150,000 per account for 15 years, and the account matures 21 years after opening. A model with 15 maximum deposits, each made at the start of an annual period, and an unchanged 8.2% rate for all 21 years produces a balance of about ₹7.18 million. Total contributions would be ₹2.25 million. The projection depends on both the deposit timing and the assumption that the rate does not change.
NDTV Profit reported an inflation illustration using a 6% annual rate. Under that scenario, the projected ₹7.18 million after 21 years would have purchasing power of about ₹2.11 million today. The 6% figure is an assumption, not a government forecast.
A guardian can open an account for a girl younger than 10. For education expenses, withdrawals become available when the account holder turns 18 or passes Class 10, whichever happens first. They are capped at half the balance at the end of the preceding financial year. The withdrawal requires documentation and is limited to actual fees and charges. It may be taken in installments, no more than once a year for up to five years.
The 8.2% rate applies through Dec. 31, 2026. Later quarterly rate notices will determine whether that assumption remains valid for future projections.
