Sukanya Samriddhi vs SIP — saving for a daughter's future

Sukanya Samriddhi is a guaranteed, government-backed scheme built specifically for a girl child's education and marriage goals. A SIP offers no guarantee but more flexibility and growth potential. Compare both on the same contribution.

Run it on your own numbers

Sukanya Samriddhi vs SIP Calculator — 18-year comparison

Opens Compare Lab pre-loaded with both, in your own currency — adjust any input and the chart updates instantly.

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How each one actually works

Sukanya Samriddhi Yojana

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.

PROS

✓Typically the highest rate among government-backed schemes

✓Fully tax-free, same EEE status as PPF

✓Specifically designed for education/marriage goals for a daughter

CONS

✕Only available for a girl child, with an account-opening age limit

✕Longer effective horizon than PPF (matures at 21 years)

✕Contribution required for the first 15 years to keep the account active

Best for: A guaranteed, tax-free fund built specifically for a daughter's education or marriage goal.

SIP (Systematic Investment Plan)

A fixed amount invested into equity mutual funds every month, automatically, regardless of whether the market is up or down.

PROS

✓No guessing when to invest — you buy at every price point over time

✓Highly liquid — redeem within a few business days

✓No cap on how much you can invest

CONS

✕No guaranteed return — depends entirely on market performance

✕Requires discipline to continue through downturns

✕Short-term gains (under 1 year) are taxed at a higher rate

Best for: Long-term goals (7+ years) where you can tolerate volatility for higher growth potential.

Questions

Can I invest in both for my daughter's goals?

Yes — many families use Sukanya Samriddhi for the guaranteed core and a SIP alongside it for additional growth, rather than choosing only one.

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.

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