Has Sukanya Samriddhi Yojana Interest Rate Reduced from 8.2% in April–June 2025?
In response to growing curiosity among small investors and parents planning for their daughters’ future, the government has officially retained the interest rate for the Sukanya Samriddhi Yojana (SSY) at 8.2% for the first quarter of the financial year 2025–26.
Contrary to some speculation and online rumors, there has been no reduction in the SSY interest rate for the April to June 2025 period. The rate remains unchanged from the previous quarter, signaling continued support for long-term savings under one of India’s most popular girl child welfare schemes.
What Investors Need to Know:
- Interest Rate (April–June 2025):
✅ 8.2% per annum (compounded yearly) - Status:
🔒 Unchanged from the January–March 2025 quarter - Minimum Deposit: ₹250
- Maximum Yearly Deposit: ₹1.5 lakh
- Tax Benefits: Under Section 80C, with tax-free maturity
Why the Rate Matters
The Sukanya Samriddhi Yojana is considered a flagship component of the Beti Bachao, Beti Padhao initiative. It encourages parents to save for their daughters’ education and future financial independence.
The 8.2% interest rate makes SSY one of the highest-yielding small savings schemes currently offered by the Government of India, especially considering the triple tax benefits (EEE — Exempt on investment, interest, and maturity).
Will Rates Change in the Future?
Interest rates on small savings schemes, including SSY, are reviewed every quarter by the Ministry of Finance. While global and domestic economic trends can influence future rates, the government’s decision to maintain the 8.2% for Q1 of FY 2025–26 offers reassurance to families planning long-term savings.
Official Confirmation
As of now, there is no official circular or update suggesting a drop below the 8.2% mark. Any changes in future quarters will be communicated through official channels, such as the Department of Economic Affairs and the National Savings Institute.
Conclusion
To set the record straight — the Sukanya Samriddhi Yojana interest rate has NOT been reduced for April–June 2025. It remains at 8.2%, continuing to provide one of the most secure and rewarding savings options for the girl child in India.
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