Sukanya Samriddhi vs PPF beti ke liye: 15 saal mein ₹8 lakh ka fark

Investment Comparison: Monthly: ₹5,000 Duration: 15 years Sukanya Samriddhi (8.2%): Total invested: ₹9,00,000 Maturity: ₹17,82,000 Interest earned: ₹8,82,000 Tax: Zero (EEE status) PPF (7.1%): Total invested: ₹9,00,000 Maturity: ₹15,42,000 Interest earned: ₹6,42,000 Tax: Zero (EEE status) Difference: ₹2,40,000 more in SSY Age calculator mein: Beti age 3 + 15 years = 18 years SSY maturity age: 21 (partial withdrawal at 18 for education) PPF: 15 years lock-in (can extend in blocks of 5) If ₹10,000/month: SSY: ₹35,64,000 PPF: ₹30,84,000 Difference: ₹4,80,000 If started at birth (21 year duration): SSY at ₹5,000/month: ₹33,60,000 VS 15 year SSY: ₹17,82,000 Extra 6 years: ₹15,78,000 more! Tax saving under 80C: Both qualify for ₹1.5 lakh deduction SSY: Higher return + same tax benefit = clear winner for girl child Only catch: SSY only for girl child. PPF for anyone.

Age calculator se beti ki age + investment duration calculate karein. SSY best hai agar girl child hai aur long-term (15+ years) invest kar saktein hain. SSY mein maximum ₹1.5 lakh/year daal sakte hain. Full amount daalein for maximum benefit. PPF kaam flexibility chahiye to better hai. Partial withdrawal rules SSY se zyada flexible hain.

Sabse badi galti: PPF aur SSY mein se ek hi choose karna. Dono kar sakte hain. 80C limit ke andar dono fit hote hain. Doosri galti: SSY mein late start karna. 3 saal ki umra se start vs 8 saal ki umra se = 5 saal ka compound effect loss = ₹6 lakh kam. Teesri galti: SSY account online nahi kholna. Most banks offer online opening. Visit nahi karna padta.