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

SSY pays 8.2% for Apr-Jun 2026; PPF pays 7.1% — a 1.1% gap that compounds hugely over 15+ years

SSY is only for a girl child under 10; PPF is open to anyone, including for a son or yourself

Both share the same ₹1.5 lakh annual cap and the 80C/Section 123 tax break only under the old regime

SSY locks money till the girl turns 21; PPF matures in 15 years and is fully extendable in 5-year blocks

Many parents run both: SSY for the higher rate, PPF for flexibility and a son or family corpus

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