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

SSY pays 8.2% for Apr-Jun 2026; PPF pays 7.1% — but SSY is only for a girl child under 10.

Both cap at Rs 1.5 lakh a year and share the same Section 80C limit — they don't stack separately.

SSY locks money till the girl turns 21, with a 50% withdrawal allowed at 18 for study or marriage.

PPF is open to any child via a guardian, runs 15 years, and is far more flexible to pause or extend.

Both are EEE — deposits, interest and maturity are fully tax-free under the old regime.

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