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

SSY pays 8.2% for Apr-Jun 2026; PPF pays 7.1% tax-free — both reviewed quarterly

SSY is girls-only, under age 10, max two accounts per family; PPF is for any child or adult

Both are EEE tax-free, but the 80C deduction only helps under the old tax regime

SSY locks until the girl turns 21; PPF matures in 15 years and can extend in 5-year blocks

Missing the minimum deposit costs ₹50/year revival in SSY; PPF account just goes dormant

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