Post Office Sukanya Samriddhi Yojana is a scheme with lots to offer from the Government of India towards the financial security of the girl child. SSY intends to encourage long-term savings and to encourage a very strong financial base for a girl towards her education and marriage. The scheme carries a sovereign guarantee, meaning your investment in it is completely safe, and you are assured of returns.
How ₹250 Deposited Monthly Under the Scheme Could Grow To ₹16 Lakhs
Under the scheme, any parent or guardian may open an SSY account for a girl child below 10 years of age. The minimum deposit in an SSY account is ₹250 per month (or ₹3,000 per year). The contribution ceiling in an SSY account remains at ₹1.5 lakh per annum. The latest interest rate is 8.2 percent per annum (2025), which is one of the highest in the small savings category.
If a parent deposits ₹250 every month for 15 years, the total investment will be ₹45,000. Compound interest will make the amount grow to an amount close to ₹16 lakh on maturity after 21 years. This makes SSY scheme a perfect option for parents that are looking for safe and long-term returns.
Key Benefits of the SSY Account
The Sukanya Samriddhi Yojana provides tax benefits under Section 80C of the Income Tax Act, for deductions up to ₹1.5 lakh per annum. The interest on deposits and maturity amount are also exempt from taxes, making it a Triple Tax-Exempt (EEE) investment. Moreover, the account can be transferred far and wide across India, in case the holder’s family relocates to another city.
A Safe and Secure Future for Your Daughter
The SSY scheme is not only meant for financial growth but also enables families to set up a secure future for their daughter, free from any financial worry or burden. The parents, by investing a mere ₹250 each month, can easily accumulate a good corpus over time. In the event of government guarantees and safety requirements, the Post Office SSY Scheme surely ranks with the very best saving schemes available in 2025.
