14/05/2026
Comment “DAUGHTER” and I’ll share a detailed comparison tailored to your situation.
The decision isn’t about picking the “best” option
it’s about choosing what matters more: certainty or growth.
Sukanya Samriddhi offers 8.2% with government-backed safety and tax-free returns, but comes with a long lock-in and limited flexibility,
While Mutual Funds offer higher growth potential (12–14%) and liquidity, but involve market risk and taxation on gains.
That’s why the smartest approach is balancing safety and growth.