🧒 SIP vs Sukanya Samriddhi Yojana: What’s Better for a Baby Girl in 2025?

Both SIP and SSY are great long-term options for securing your daughter’s financial future — but they serve slightly different purposes.

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🏦 Option 1: Sukanya Samriddhi Yojana (SSY)

✅ Key Features

• Government-backed savings scheme for the girl child only
• Current interest rate: ~8.2% per annum (revised quarterly)
• Investment allowed: ₹250 to ₹1.5 lakh per year
• Lock-in until 21 years from the date of opening
• Partial withdrawal allowed at age 18 for higher education
• Tax benefits under Section 80C (EEE status – exempt at all stages)

🎯 Best For

• Parents looking for a safe, tax-free, and fixed-return investment
• Those who want to build a corpus for education or marriage

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📈 Option 2: SIP (Systematic Investment Plan in Mutual Funds)

✅ Key Features

• Flexible investment option in equity or hybrid mutual funds
• Potential returns: 10%–14% (depending on market)
• No strict lock-in; you can withdraw anytime (ideally after 5–10 years for better returns)
• Can start with as low as ₹500/month
• Taxable returns, though ELSS funds offer 80C benefits (up to ₹1.5L)

🎯 Best For

• Parents with a long-term horizon (10+ years)
• Comfortable with market fluctuations
• Looking for higher returns to beat inflation

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🧮 Simple Example: ₹5,000/month for 15 years

Investment Option	Total Invested	Estimated Return (at maturity)
SSY	₹9,00,000	~₹19,50,000
SIP @12%	₹9,00,000	~₹25,00,000+

Note: SIP returns are not guaranteed, while SSY returns are fixed.

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🏁 Conclusion: Which Is Better for a Baby Girl?

Criteria	Best Option
Safety & Guarantee	✅ SSY
Higher Returns	✅ SIP
Tax-free Maturity	✅ SSY
Flexibility & Liquidity	✅ SIP
Education Goal (Age 18)	✅ Both (SSY partial + SIP SWP combo)

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🔄 Pro Tip: Combine Both!

You don’t have to pick just one.
➡️ Use SSY for guaranteed returns and tax-free maturity
➡️ Use SIP to grow wealth faster and beat inflation

Together, they make a powerful portfolio for your daughter’s future.