Gold vs Sukanya Samriddhi — tradition or a guaranteed government scheme?
Many Indian families still buy gold steadily for a daughter's wedding. Sukanya Samriddhi is a government scheme built for exactly that goal instead — tax-free, guaranteed, and specifically restricted to a girl child's future. Compare both on the same monthly amount.
Gold Calculator vs Sukanya Samriddhi — 15-year comparison
Opens Compare Lab pre-loaded with both, in your own currency — adjust any input and the chart updates instantly.
Compare now →Physical or digital gold, valued by weight at the prevailing market price, plus making charges and GST on physical purchases.
Best for: A smaller diversifying allocation (typically 5–15% of a portfolio) as an inflation and crisis hedge, not a primary growth holding.
A government scheme specifically for a girl child, with a higher interest rate than PPF, contributions required for 15 years, and maturity at 21 years from account opening.
Best for: A guaranteed, tax-free fund built specifically for a daughter's education or marriage goal.
Isn't gold the traditional choice for this goal?
It has been historically, largely because Sukanya Samriddhi didn't exist before 2015 — it's worth comparing both now on the actual numbers rather than defaulting to tradition alone.
Can I do both — some gold and some Sukanya Samriddhi?
Yes, and many families do — Sukanya Samriddhi for the guaranteed, tax-free core, and a smaller ongoing gold purchase for the wedding jewelry itself, which serves a different purpose than a pure investment return.
Where do these numbers actually come from?
The same calculation engine that powers our standalone calculators and Compare Lab — nothing here is a separate or simplified estimate. Every assumption (rate, tenure, tax) is visible and adjustable once you open the comparison with your own numbers.