Sukanya Samriddhi Yojana vs Public Provident Fund

A portfolio containing the financial plan of a family, typically has financial goals such as higher education, marriage and savings for the child(ren) of the family. One of the most popular avenues of investment is the Public Provident Fund (PPF) which provides dual boon of being a saving and tax savings instrument. It is a Debt scheme that was launched by the Government of India in 1968 to encourage savings among the masses. 

Sukanya Samriddhi Yojana (SSY) under the Government’s ‘Beti Bachao Beti Padhao’ initiative is the talk of the town. The scheme is applicable only to those investors who wish to make an investment for the future of their girl child. The girl child has to be less than or equal to 10 years.

SSY in a glance:
  • For girls below 10 years old ( 11 years for FY 2015-16)
  • Can be opened by guardian or any of the parents/person acting as guardian in absence of guardian
  • Minimum deposit of 1,000 INR in a FY
  • Maximum deposit is 1,50,000 INR in a FY
  • Maturity period is when the account holder turns 21
  • 50% withdrawal is allowed when the account holder turns 18
  • Rate of return declared by the RBI every year
  • The rate of return for FY 2015-16 is 9.2%

Difference between SSY and PPF

Returns on SSY


  1. Very nice information. This Sukanya samriddhi yojana is really helpful for the parents which are unable to afford the expenses of education and marriage of their girl. Thanks to provide this valuable information.