Sukanya Samriddhi vs FD — a fixed scheme for your daughter, or flexible savings?
Sukanya Samriddhi is a higher-yielding, tax-free, government scheme specifically for a girl child, with a long lock-in. FD is flexible but lower-yielding and taxable. Compare both on the same contribution.
Sukanya Samriddhi vs FD Calculator — 15-year comparison
Opens Compare Lab pre-loaded with both, in your own currency — adjust any input and the chart updates instantly.
Compare now →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 fixed, tax-free fund built specifically for a daughter's education or marriage goal.
A lump sum deposited with a bank for a fixed tenure at a fixed, fixed interest rate.
Best for: Capital you can't afford to risk — an emergency fund, or a short-term goal within a couple of years.
Is Sukanya Samriddhi's rate really higher than FD?
It has historically been set higher than most bank FD rates as a policy incentive, but the rate is reviewed quarterly by the government and can change — check the current rate before assuming the gap holds.
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.