Sukanya Samriddhi vs PPF in 2026: Which Wins for Your Child?

SSY pays 8.2% for April–June 2026; PPF pays 7.1% — both unchanged for eight straight quarters.

SSY is locked to a girl child under 10 and matures at 21; PPF is open to anyone and runs forever in 5-year blocks.

Both are EEE (tax-free) under Section 80C — but only if you stay on the old tax regime.

You deposit into SSY for 15 years; the account keeps earning interest until year 21 even if you stop.

The smart move is often both: SSY for the higher rate, PPF for the flexibility and your own retirement.