Sukanya Samriddhi Yojana vs PPF - Which Is Better for a Girl Child?
SSY pays 8.2% vs PPF at 7.1% - SSY rate is 1.1% higher. On Rs 1.5 लाख/year for 15 वर्ष: SSY corpus at age 21 = approximately Rs 70 लाख. PPF at 15 वर्ष = Rs 40.7 लाख (shorter compounding since PPF matures at 15). SSY wins on pure रिटर्न. PPF wins on flexibility - no restriction to girl child, can be extended indefinitely, partial withdrawal from year 7.
Total Deposited
₹22,50,000
15 years of deposits
Interest Earned
₹34,19,840
Maturity at Age 21
₹56,69,840
SSY rate: 8.2% p.a. compounded annually (Q1 FY 2026-27). Deposits for 15 years, maturity at girl's age 21. Min ₹250/year, max ₹1.5L/year. Interest fully tax-free under Section 80C.
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