Sukanya Samriddhi Yojana Interest Rate 2025 � 8.2% Confirmed for Q1

The Government of India has confirmed the Sukanya Samriddhi Yojana (SSY) interest rate at 8.2% per annum for Q1 FY 2025-26 (April to June 2025). This makes SSY one of the highest-yielding government-backed savings instruments in India.

SSY Interest Rate History

• Q1 FY 2025-26 (Apr�Jun 2025): 8.2%
• FY 2024-25: 8.2%
• FY 2023-24: 8.0% (Q1�Q2), 8.2% (Q3�Q4)

How to Maximise SSY Returns

• Deposit before April 5 each year � interest is calculated on the minimum balance between 5th and end of month. Depositing early earns more interest.
• Deposit ₹1.5 lakh annually � this is the maximum and makes you eligible for the full ₹1.5 lakh Section 80C deduction.
• Open account as early as possible � earlier you open (before girl turns 10), more years you get at this high interest rate.

When Will SSY Mature?

An SSY account matures 21 years from the date of account opening. Early closure is allowed only for the girl's marriage after she turns 18, or on her death.