{"id":2700,"date":"2025-05-13T19:47:25","date_gmt":"2025-05-13T14:17:25","guid":{"rendered":"https:\/\/blog.tickertape.in\/?p=2700"},"modified":"2025-05-13T19:47:27","modified_gmt":"2025-05-13T14:17:27","slug":"investments-for-girl-child","status":"publish","type":"post","link":"https:\/\/www.tickertape.in\/blog\/investments-for-girl-child\/","title":{"rendered":"Best Investment Plans for Girl Child in India (2025)"},"content":{"rendered":"\n<p>Ensuring a secure future for a daughter is what every parent prioritises. In order to do that, one must start with financial planning for a <a href=\"https:\/\/www.tickertape.in\/blog\/top-10-schemes-for-a-girl-child-in-india\/\">girl child<\/a> early on. In India, there are various child investment plans that you can explore as a parent. To ensure you <a href=\"https:\/\/www.tickertape.in\/blog\/why-should-you-prioritise-investing\/\">invest<\/a> in the best investment for a <a href=\"https:\/\/www.tickertape.in\/blog\/top-10-schemes-for-a-girl-child-in-india\/\">girl child<\/a> in India, we have collated the list of 10 best saving schemes for a <a href=\"https:\/\/www.tickertape.in\/blog\/top-10-schemes-for-a-girl-child-in-india\/\">girl child<\/a>.<\/p>\n\n\n\n<div id=\"ez-toc-container\" class=\"ez-toc-v2_0_66_1 counter-hierarchy ez-toc-counter ez-toc-custom ez-toc-container-direction\">\n<div class=\"ez-toc-title-container\">\n<p class=\"ez-toc-title \" >Table of Contents<\/p>\n<span class=\"ez-toc-title-toggle\"><\/span><\/div>\n<nav><ul class='ez-toc-list ez-toc-list-level-1 ' ><li class='ez-toc-page-1 ez-toc-heading-level-2'><a class=\"ez-toc-link ez-toc-heading-1\" href=\"https:\/\/www.tickertape.in\/blog\/investments-for-girl-child\/#List-of-Best-Investments-for-Girl-Child\" title=\"List of Best Investments for Girl Child\">List of Best Investments for Girl Child<\/a><ul class='ez-toc-list-level-3' ><li class='ez-toc-heading-level-3'><a class=\"ez-toc-link ez-toc-heading-2\" href=\"https:\/\/www.tickertape.in\/blog\/investments-for-girl-child\/#1-Sukanya-Samriddhi-Yojana-SSY\" title=\"1. Sukanya Samriddhi Yojana (SSY)\">1. Sukanya Samriddhi Yojana (SSY)<\/a><\/li><li class='ez-toc-page-1 ez-toc-heading-level-3'><a class=\"ez-toc-link ez-toc-heading-3\" href=\"https:\/\/www.tickertape.in\/blog\/investments-for-girl-child\/#2-Post-Office-Time-Deposit-POTD\" title=\"2. Post Office Time Deposit (POTD)\">2. Post Office Time Deposit (POTD)<\/a><\/li><li class='ez-toc-page-1 ez-toc-heading-level-3'><a class=\"ez-toc-link ez-toc-heading-4\" href=\"https:\/\/www.tickertape.in\/blog\/investments-for-girl-child\/#3-Post-Office-Recurring-Deposit-PORD\" title=\"3. Post Office Recurring Deposit (PORD)\">3. Post Office Recurring Deposit (PORD)<\/a><\/li><li class='ez-toc-page-1 ez-toc-heading-level-3'><a class=\"ez-toc-link ez-toc-heading-5\" href=\"https:\/\/www.tickertape.in\/blog\/investments-for-girl-child\/#4-National-Savings-Certificate-NSC\" title=\"4. National Savings Certificate (NSC)\">4. National Savings Certificate (NSC)<\/a><\/li><li class='ez-toc-page-1 ez-toc-heading-level-3'><a class=\"ez-toc-link ez-toc-heading-6\" href=\"https:\/\/www.tickertape.in\/blog\/investments-for-girl-child\/#5-Public-Provident-Fund-PPF\" title=\"5. Public Provident Fund (PPF)\">5. Public Provident Fund (PPF)<\/a><\/li><li class='ez-toc-page-1 ez-toc-heading-level-3'><a class=\"ez-toc-link ez-toc-heading-7\" href=\"https:\/\/www.tickertape.in\/blog\/investments-for-girl-child\/#6-Children-Gift-Mutual-Fund\" title=\"6. Children Gift Mutual Fund\">6. Children Gift Mutual Fund<\/a><\/li><li class='ez-toc-page-1 ez-toc-heading-level-3'><a class=\"ez-toc-link ez-toc-heading-8\" href=\"https:\/\/www.tickertape.in\/blog\/investments-for-girl-child\/#7-Systematic-Investment-Plan-SIP\" title=\"7. Systematic Investment Plan (SIP)\">7. Systematic Investment Plan (SIP)<\/a><\/li><li class='ez-toc-page-1 ez-toc-heading-level-3'><a class=\"ez-toc-link ez-toc-heading-9\" href=\"https:\/\/www.tickertape.in\/blog\/investments-for-girl-child\/#8-Gold-ETFs\" title=\"8. Gold ETFs\">8. Gold ETFs<\/a><\/li><li class='ez-toc-page-1 ez-toc-heading-level-3'><a class=\"ez-toc-link ez-toc-heading-10\" href=\"https:\/\/www.tickertape.in\/blog\/investments-for-girl-child\/#9-Unit-Linked-Insurance-Plans-ULIP\" title=\"9. Unit Linked Insurance Plans (ULIP)\">9. Unit Linked Insurance Plans (ULIP)<\/a><\/li><li class='ez-toc-page-1 ez-toc-heading-level-3'><a class=\"ez-toc-link ez-toc-heading-11\" href=\"https:\/\/www.tickertape.in\/blog\/investments-for-girl-child\/#10-Fixed-Deposits-FD\" title=\"10. Fixed Deposits (FD)\">10. Fixed Deposits (FD)<\/a><\/li><li class='ez-toc-page-1 ez-toc-heading-level-3'><a class=\"ez-toc-link ez-toc-heading-12\" href=\"https:\/\/www.tickertape.in\/blog\/investments-for-girl-child\/#11-Child-Plans\" title=\"11. Child Plans\">11. Child Plans<\/a><\/li><\/ul><\/li><li class='ez-toc-page-1 ez-toc-heading-level-2'><a class=\"ez-toc-link ez-toc-heading-13\" href=\"https:\/\/www.tickertape.in\/blog\/investments-for-girl-child\/#Child-Plan-vs-Sukanya-Samriddhi-Yojana-and-PPF\" title=\"Child Plan vs Sukanya Samriddhi Yojana and PPF\">Child Plan vs Sukanya Samriddhi Yojana and PPF<\/a><\/li><li class='ez-toc-page-1 ez-toc-heading-level-2'><a class=\"ez-toc-link ez-toc-heading-14\" href=\"https:\/\/www.tickertape.in\/blog\/investments-for-girl-child\/#Conclusion\" title=\"Conclusion\">Conclusion<\/a><\/li><li class='ez-toc-page-1 ez-toc-heading-level-2'><a class=\"ez-toc-link ez-toc-heading-15\" href=\"https:\/\/www.tickertape.in\/blog\/investments-for-girl-child\/#FAQs\" title=\"FAQs\">FAQs<\/a><ul class='ez-toc-list-level-3' ><li class='ez-toc-heading-level-3'><a class=\"ez-toc-link ez-toc-heading-16\" href=\"https:\/\/www.tickertape.in\/blog\/investments-for-girl-child\/#What-is-the-tax-benefit-of-Sukanya-Samriddhi-YojanaSSY\" title=\"What is the tax benefit of Sukanya Samriddhi Yojana(SSY)?\">What is the tax benefit of Sukanya Samriddhi Yojana(SSY)?<\/a><\/li><li class='ez-toc-page-1 ez-toc-heading-level-3'><a class=\"ez-toc-link ez-toc-heading-17\" href=\"https:\/\/www.tickertape.in\/blog\/investments-for-girl-child\/#Which-is-the-best-child-plan-to-invest-under-Rs-500\" title=\"Which is the best child plan to invest under Rs. 500?\">Which is the best child plan to invest under Rs. 500?<\/a><\/li><li class='ez-toc-page-1 ez-toc-heading-level-3'><a class=\"ez-toc-link ez-toc-heading-18\" href=\"https:\/\/www.tickertape.in\/blog\/investments-for-girl-child\/#What-are-the-central-government-schemes-for-girl-children\" title=\"What are the central government schemes for girl children?\">What are the central government schemes for girl children?<\/a><\/li><li class='ez-toc-page-1 ez-toc-heading-level-3'><a class=\"ez-toc-link ez-toc-heading-19\" href=\"https:\/\/www.tickertape.in\/blog\/investments-for-girl-child\/#What-is-the-SBI-scheme-for-girl-child\" title=\"What is the SBI scheme for girl child?\">What is the SBI scheme for girl child?<\/a><\/li><li class='ez-toc-page-1 ez-toc-heading-level-3'><a class=\"ez-toc-link ez-toc-heading-20\" href=\"https:\/\/www.tickertape.in\/blog\/investments-for-girl-child\/#What-is-the-best-policy-for-a-girl-child\" title=\"What is the best policy for a girl child?\">What is the best policy for a girl child?<\/a><\/li><li class='ez-toc-page-1 ez-toc-heading-level-3'><a class=\"ez-toc-link ez-toc-heading-21\" href=\"https:\/\/www.tickertape.in\/blog\/investments-for-girl-child\/#What-are-the-post-office-schemes-for-a-girl-child\" title=\"What are the post office schemes for a girl child?\">What are the post office schemes for a girl child?<\/a><\/li><li class='ez-toc-page-1 ez-toc-heading-level-3'><a class=\"ez-toc-link ez-toc-heading-22\" href=\"https:\/\/www.tickertape.in\/blog\/investments-for-girl-child\/#Is-there-a-post-office-RD-plan-of-%E2%82%B91000-per-month-for-5-years\" title=\"Is there a post office RD plan of \u20b91,000 per month for 5 years?\">Is there a post office RD plan of \u20b91,000 per month for 5 years?<\/a><\/li><\/ul><\/li><\/ul><\/nav><\/div>\n<h2 class=\"wp-block-heading\"><span class=\"ez-toc-section\" id=\"List-of-Best-Investments-for-Girl-Child\"><\/span>List of Best Investments for Girl Child<span class=\"ez-toc-section-end\"><\/span><\/h2>\n\n\n\n<p>Here are 11 girl child investment plans that you can explore to ensure long-term security and steady returns.<\/p>\n\n\n\n<h3 class=\"wp-block-heading\"><span class=\"ez-toc-section\" id=\"1-Sukanya-Samriddhi-Yojana-SSY\"><\/span>1. Sukanya Samriddhi Yojana (SSY)<span class=\"ez-toc-section-end\"><\/span><\/h3>\n\n\n\n<p>The <a href=\"https:\/\/www.tickertape.in\/blog\/sukanya-samriddhi-yojana-eligibility-benefits-how-to-apply-withdrawal-rules-and-more\/\">Sukanya Samriddhi Yojana<\/a> is a government-backed savings scheme aimed at promoting the welfare of the girl child. It encourages parents to save for their daughter\u2019s education and marriage.<\/p>\n\n\n\n<ul>\n<li><strong>Account Opening: <\/strong>Parents or legal guardians can open an SSY account anytime after the birth of a girl child until she turns 10 years old. This scheme allows for secure and systematic savings.<\/li>\n\n\n\n<li><a href=\"https:\/\/www.tickertape.in\/blog\/flat-interest-rate-vs-reducing-balance-interest-rate\/\"><strong>Interest Rate<\/strong><\/a><strong>: <\/strong>The current <a href=\"https:\/\/www.tickertape.in\/blog\/flat-interest-rate-vs-reducing-balance-interest-rate\/\">interest rate<\/a> is 8.2% per annum, which is compounded annually. This rate is reviewed quarterly by the government and may change based on economic conditions.<\/li>\n\n\n\n<li><strong>Account Limitations: <\/strong>Only one account can be opened in the name of each girl child, with a maximum of two accounts allowed per family (one for each daughter).<\/li>\n\n\n\n<li><strong>Investment Limits: <\/strong>The minimum deposit required to maintain the account is Rs. 250, while the maximum annual contribution is capped at Rs. 1,50,000.<\/li>\n\n\n\n<li><strong>Maturity and Withdrawals: <\/strong>The account matures when the girl reaches the age of 21..<\/li>\n\n\n\n<li><strong>Tax Benefits:<\/strong> The SSY scheme qualifies for tax deductions under Section 80C of the <a href=\"https:\/\/www.tickertape.in\/blog\/income-tax-deduction\/\">Income Tax <\/a>Act, making it an attractive option for tax planning. The maturity amount and interest earned are also tax-free, adhering to the EEE (Exempt, Exempt, Exempt) principle.<\/li>\n<\/ul>\n\n\n\n<p>SSY scheme is considered the best investment for girl child by many experts. Now, let\u2019s look at some post office scheme for girl child.<\/p>\n\n\n\n<h3 class=\"wp-block-heading\"><span class=\"ez-toc-section\" id=\"2-Post-Office-Time-Deposit-POTD\"><\/span>2. Post Office Time Deposit (POTD)<span class=\"ez-toc-section-end\"><\/span><\/h3>\n\n\n\n<p>The <a href=\"https:\/\/www.tickertape.in\/blog\/post-office-time-deposit-benefits-tax-deduction-account-opening-premature-withdrawal\/\">Post Office Time Deposit<\/a> is a reliable savings instrument offered by India Post, suitable for conservative investors looking for fixed returns. This<a href=\"https:\/\/www.tickertape.in\/blog\/9-post-office-savings-schemes\/?ref=blog\"> post office saving scheme<\/a> allows you to open an account in post offices across the country. The features are:<\/p>\n\n\n\n<ul>\n<li><strong>Features:<\/strong> POTD accounts can be opened at any post office across India, providing accessibility to rural and urban investors alike.<\/li>\n\n\n\n<li><strong>Interest Rates:<\/strong> As of now, interest rates range from 5.5% to 6.70%, depending on the tenure chosen (1 year to 5 years). Interest is paid quarterly.<\/li>\n\n\n\n<li><strong>Tenure Options:<\/strong> Investors can choose from various tenures\u20141 year, 2 years, 3 years, or 5 years\u2014allowing flexibility based on individual financial goals.<\/li>\n\n\n\n<li><strong>Transferability: <\/strong>One significant advantage is that these accounts can be transferred from one post office to another anywhere in India without losing interest benefits.<\/li>\n<\/ul>\n\n\n\n<h3 class=\"wp-block-heading\"><span class=\"ez-toc-section\" id=\"3-Post-Office-Recurring-Deposit-PORD\"><\/span>3. Post Office Recurring Deposit (PORD)<span class=\"ez-toc-section-end\"><\/span><\/h3>\n\n\n\n<p>The Post Office Recurring Deposit scheme is designed to encourage disciplined saving through monthly contributions.<\/p>\n\n\n\n<ul>\n<li><strong>Investment Details: <\/strong>You can start with a minimum monthly deposit of just Rs. 100, making it accessible for all income levels.<\/li>\n\n\n\n<li><strong><a href=\"https:\/\/www.tickertape.in\/blog\/flat-interest-rate-vs-reducing-balance-interest-rate\/\">Interest Rate<\/a>: <\/strong>The current interest rate stands at approximately 6.7% p.a., compounded quarterly, which ensures that your savings grow steadily over time.<\/li>\n\n\n\n<li><strong>Tenure: <\/strong>The standard tenure for PORD is 5 years, but it can be extended after maturity if desired.<\/li>\n\n\n\n<li><strong>Withdrawal Policy:<\/strong> Premature withdrawal is permitted only if at least 3 years have passed since the account was opened.<\/li>\n\n\n\n<li><strong>Government Backing:<\/strong> Being a government-backed scheme, it offers safety and security for investors looking to save systematically without risks associated with market fluctuations.<\/li>\n<\/ul>\n\n\n\n<h3 class=\"wp-block-heading\"><span class=\"ez-toc-section\" id=\"4-National-Savings-Certificate-NSC\"><\/span>4. National Savings Certificate (NSC)<span class=\"ez-toc-section-end\"><\/span><\/h3>\n\n\n\n<p>The <a href=\"https:\/\/www.tickertape.in\/blog\/nsc-interest-rate\/\">National Savings Certificate<\/a> is a fixed-income investment scheme backed by the Government of India, ideal for risk-averse investors. It is also considered as one of the top central government schemes for single girl child. Parents looking for high-return investment plans for girl child with minimal risk often opt for NSC due to its stable nature and government assurance.<\/p>\n\n\n\n<ul>\n<li><strong>Tenure and Maturity:<\/strong> NSCs have a fixed tenure of 5 years, during which your investment earns guaranteed returns.<\/li>\n\n\n\n<li>Interest Rate: Currently, NSCs offer an interest rate of 7.7% p.a., compounded annually but payable at maturity.<\/li>\n\n\n\n<li><strong>Investment Limits:<\/strong> The minimum investment is set at Rs. 1,000, with no upper limit on how much you can <a href=\"https:\/\/www.tickertape.in\/blog\/why-should-you-prioritise-investing\/\">invest<\/a>.<\/li>\n\n\n\n<li><strong>Tax Benefits: <\/strong>Investments in NSC qualify for tax deductions under Section 80C up to Rs. 1.5 lakh per annum. However, interest earned is taxable in the year it accrues.<\/li>\n\n\n\n<li><strong>Transferability and Safety:<\/strong> NSCs are transferable from one person to another but cannot be encashed before maturity without incurring penalties.<\/li>\n\n\n\n<li><strong>Risk Aversion: <\/strong>Given that the NSC is government-backed, it provides complete capital protection, making it ideal for conservative investors who prioritise safety over higher-risk investments.<\/li>\n<\/ul>\n\n\n\n<p>It is worthwhile to research thoroughly about the terms and conditions of the NSC when looking for the best saving plan for girl child.<\/p>\n\n\n\n<h3 class=\"wp-block-heading\"><span class=\"ez-toc-section\" id=\"5-Public-Provident-Fund-PPF\"><\/span>5. Public Provident Fund (PPF)<span class=\"ez-toc-section-end\"><\/span><\/h3>\n\n\n\n<p>PPF is a long-term investment for girl child, with a 15-year lock-in period and tax-free maturity. This plan is ideal for girl child education investment due to its consistent growth, tax benefits, and compounding nature.<\/p>\n\n\n\n<ul>\n<li><strong>Account Features:<\/strong> A PPF account can be opened at designated banks and post offices across India. It has a lock-in period of 15 years, which can be extended in blocks of five years indefinitely.<\/li>\n\n\n\n<li><strong>Interest Rate:<\/strong> The current interest rate is around 7.1% p.a., compounded annually, which provides good returns over time.<\/li>\n\n\n\n<li><strong>Investment Limits:<\/strong> You can <a href=\"https:\/\/www.tickertape.in\/blog\/why-should-you-prioritise-investing\/\">invest<\/a> a minimum of Rs. 500 and up to a maximum of Rs. 1,50,000 per financial year in your PPF account.<\/li>\n\n\n\n<li><strong>Withdrawal Rules: <\/strong>Partial withdrawals are allowed after the completion of seven financial years from the date of opening the account, providing some liquidity while still encouraging long-term saving.<\/li>\n\n\n\n<li><strong>Tax Benefits:<\/strong> Contributions qualify for tax deductions under Section 80C, and both interest earned and maturity proceeds are tax-free under the EEE principle.<\/li>\n<\/ul>\n\n\n\n<h3 class=\"wp-block-heading\"><span class=\"ez-toc-section\" id=\"6-Children-Gift-Mutual-Fund\"><\/span>6. Children Gift Mutual Fund<span class=\"ez-toc-section-end\"><\/span><\/h3>\n\n\n\n<p>Children\u2019s Gift <a href=\"https:\/\/www.tickertape.in\/blog\/mutual-funds\/\">Mutual Funds<\/a> are specially designed investment options that help build wealth over time for children.<\/p>\n\n\n\n<ul>\n<li><strong>Investment Strategy:<\/strong> These funds typically invest in a mix of <a href=\"https:\/\/www.tickertape.in\/blog\/what-is-equity\/\">equity<\/a> and debt instruments to provide balanced growth while managing risk effectively.<\/li>\n\n\n\n<li><strong>Lock-in Period:<\/strong> Investments in these funds usually have a lock-in period until the child turns 18, ensuring that funds are available for significant life events like education or marriage.<\/li>\n\n\n\n<li><strong>Growth Potential:<\/strong> By investing in <a href=\"https:\/\/www.tickertape.in\/blog\/what-is-equity\/\">equity<\/a> markets over long periods, these funds aim to generate substantial capital appreciation compared to traditional saving methods.<\/li>\n\n\n\n<li><strong>Flexibility in Investment Amounts:<\/strong> Parents can choose how much they want to invest based on their financial situation and goals.<\/li>\n<\/ul>\n\n\n\n<p>It is worthwhile to thoroughly research <a href=\"https:\/\/www.tickertape.in\/blog\/mutual-funds\/\">mutual funds<\/a> before investing. To find out the best plan for girl child, you can use Tickertape <a href=\"https:\/\/www.tickertape.in\/blog\/how-to-use-tickertape-mutual-fund-screener\/\">Mutual Fund Screener<\/a>.<\/p>\n\n\n\n<h3 class=\"wp-block-heading\"><span class=\"ez-toc-section\" id=\"7-Systematic-Investment-Plan-SIP\"><\/span>7. Systematic Investment Plan (SIP)<span class=\"ez-toc-section-end\"><\/span><\/h3>\n\n\n\n<p><a href=\"https:\/\/www.tickertape.in\/blog\/what-is-sip\/\">SIPs <\/a>are a great tool for financial planning for girl child. It allows investors to contribute regularly to mutual funds through small investments over time.<\/p>\n\n\n\n<ul>\n<li><strong>Investment Amounts<\/strong>: SIPs enable you to start investing with as little as Rs. 100 per month, making it accessible for all income levels.<\/li>\n\n\n\n<li><strong>Disciplined Investing: <\/strong>They promote disciplined investing by allowing you to invest fixed amounts regularly.<\/li>\n\n\n\n<li><strong>Rupee Cost Averaging: <\/strong>You can buy more units when prices are low and fewer when prices are high. Over time, this can lead to better returns compared to lump-sum investments due to compounding effects.<\/li>\n<\/ul>\n\n\n\n<h3 class=\"wp-block-heading\"><span class=\"ez-toc-section\" id=\"8-Gold-ETFs\"><\/span>8. Gold ETFs<span class=\"ez-toc-section-end\"><\/span><\/h3>\n\n\n\n<p><a href=\"https:\/\/www.tickertape.in\/blog\/best-gold-stocks-in-india\/\">Gold <\/a>ETFs serve as a hedge against inflation and a modern way of saving for girl child\u2019s future. Each unit of a <a href=\"https:\/\/www.tickertape.in\/blog\/the-golden-behaviour-during-crisis\/\">Gold<\/a> <a href=\"https:\/\/www.tickertape.in\/blog\/exchange-traded-funds\/\">ETF<\/a> represents one gram of gold held by the fund. They trade on stock exchanges like shares, providing liquidity and flexibility.<\/p>\n\n\n\n<ul>\n<li>No concerns about theft or storage costs associated with physical gold jewellery or coins.<\/li>\n\n\n\n<li>Investors can buy or sell units at market prices during trading hours like any other stock or mutual fund.<\/li>\n\n\n\n<li><a href=\"https:\/\/www.tickertape.in\/stocks\/collections\/gold-etfs\">Gold ETFs<\/a> provide <a href=\"https:\/\/www.tickertape.in\/blog\/mitigating-portfolio-risk-through-diversification\/\">diversification<\/a> in an investment portfolio without high entry costs.<\/li>\n<\/ul>\n\n\n\n<h3 class=\"wp-block-heading\"><span class=\"ez-toc-section\" id=\"9-Unit-Linked-Insurance-Plans-ULIP\"><\/span>9. Unit Linked Insurance Plans (ULIP)<span class=\"ez-toc-section-end\"><\/span><\/h3>\n\n\n\n<p><a href=\"https:\/\/www.tickertape.in\/blog\/difference-between-ulip-and-mutual-funds\/\">ULIPs <\/a>combine <a href=\"https:\/\/www.tickertape.in\/blog\/what-is-insurance-coverage\/\">life insurance coverage<\/a> with market-linked returns. These hybrid products are suited for long-term goals such as investment plans for girl child education or marriage, especially when paired with premium customisation features.<\/p>\n\n\n\n<ul>\n<li>A portion of your premium goes towards <a href=\"https:\/\/www.tickertape.in\/blog\/what-is-insurance-coverage\/\">life insurance coverage<\/a> while the remainder is invested according to your risk appetite\u2014equity funds for higher growth potential or <a href=\"https:\/\/www.tickertape.in\/blog\/what-are-debt-funds\/\">debt funds<\/a> for stability.<\/li>\n\n\n\n<li>They offer flexibility in choosing investment options based on market performance and individual financial goals.<\/li>\n<\/ul>\n\n\n\n<h3 class=\"wp-block-heading\"><span class=\"ez-toc-section\" id=\"10-Fixed-Deposits-FD\"><\/span>10. Fixed Deposits (FD)<span class=\"ez-toc-section-end\"><\/span><\/h3>\n\n\n\n<p><a href=\"https:\/\/www.tickertape.in\/blog\/fixed-deposit-vs-life-insurance\/\">Fixed Deposits<\/a> remain one of the most popular investment options due to their simplicity and guaranteed returns.<\/p>\n\n\n\n<ul>\n<li>Current interest rates range from approximately 6.90% to 8% p.a., depending on the bank or institution, with terms varying from a few months up to ten years.<\/li>\n\n\n\n<li>Investors can choose how they want their interest paid\u2014monthly, quarterly, annually, or at maturity\u2014offering flexibility based on cash flow needs.<\/li>\n<\/ul>\n\n\n\n<h3 class=\"wp-block-heading\"><span class=\"ez-toc-section\" id=\"11-Child-Plans\"><\/span>11. Child Plans<span class=\"ez-toc-section-end\"><\/span><\/h3>\n\n\n\n<p>A child plan is a combination of insurance and investment designed to secure a child\u2019s future. Such plans, often offered by providers like <a href=\"https:\/\/www.tickertape.in\/blog\/lic-ipo-date-price-review-news-application-and-details\/\">LIC<\/a>, provide a lump sum payout on maturity or in case of unforeseen circumstances.<\/p>\n\n\n\n<p>Key Features:<\/p>\n\n\n\n<ol>\n<li><strong>Insurance Coverage: <\/strong>Provides financial protection for the child\u2019s future in case of the policyholder\u2019s untimely death.<\/li>\n\n\n\n<li><strong>Flexible Payouts: <\/strong>Offers milestone-based payouts for education, marriage, or other goals.<\/li>\n\n\n\n<li><strong>Customisable Plans:<\/strong> Options for premium payment terms and sum assured.<\/li>\n<\/ol>\n\n\n\n<p>Many families consider these among the best saving plans for girl child available today. These policies also come with tax benefits under <a href=\"https:\/\/www.tickertape.in\/blog\/tax-saving-investments\/\">Section 80C<\/a> of the <a href=\"https:\/\/www.tickertape.in\/blog\/what-is-income-tax\/\">Income Tax<\/a> Act.<\/p>\n\n\n\n<h2 class=\"wp-block-heading\"><span class=\"ez-toc-section\" id=\"Child-Plan-vs-Sukanya-Samriddhi-Yojana-and-PPF\"><\/span>Child Plan vs Sukanya Samriddhi Yojana and PPF<span class=\"ez-toc-section-end\"><\/span><\/h2>\n\n\n\n<p>Planning for a child\u2019s future involves comparing investment options to identify the best saving plan for a girl child. The table below highlights the key differences between a Child Plan, <a href=\"https:\/\/www.tickertape.in\/blog\/sukanya-samriddhi-yojana-eligibility-benefits-how-to-apply-withdrawal-rules-and-more\/\">Sukanya Samriddhi Yojana<\/a> (SSY), and Public Provident Fund (PPF):<\/p>\n\n\n\n<figure class=\"wp-block-table\"><table><tbody><tr><td>Feature<\/td><td>Child Plan<\/td><td><a href=\"https:\/\/www.tickertape.in\/blog\/sukanya-samriddhi-yojana-eligibility-benefits-how-to-apply-withdrawal-rules-and-more\/\">Sukanya Samriddhi Yojana<\/a> (SSY)<\/td><td>Public Provident Fund (PPF)<\/td><\/tr><tr><td>Eligibility<\/td><td>Open to all; fits <a href=\"https:\/\/www.tickertape.in\/blog\/lic-ipo-date-price-review-news-application-and-details\/\">LIC<\/a> policy for girl child<\/td><td>Girls under 10 years; a central government scheme for girl child<\/td><td>Open to all<\/td><\/tr><tr><td>Maturity<\/td><td>Customisable milestones<\/td><td>Age 21 or marriage; fits saving scheme for girl child<\/td><td>15 years; long-term flexibility<\/td><\/tr><tr><td>Returns<\/td><td>Market-linked or guaranteed<\/td><td>Fixed high interest; a post office saving scheme for girl child<\/td><td>Fixed government-backed interest<\/td><\/tr><tr><td>Risk Level<\/td><td>Moderate to high<\/td><td>Low risk; ideal for post office schemes for girl child<\/td><td>Low risk; stable<\/td><\/tr><tr><td>Special Features<\/td><td>Combines insurance and investment<\/td><td>Focused on girl child savings scheme; tax-free returns<\/td><td>Long-term growth and tax savings<\/td><\/tr><tr><td>Best For<\/td><td>Education or marriage milestones<\/td><td>Fits well with post office schemes for girl child above 10 years<\/td><td>General long-term financial goals<\/td><\/tr><tr><td>Additional Benefits<\/td><td>Includes tax savings under Section 80C<\/td><td>Great for govt schemes for girl child with guaranteed returns<\/td><td>Flexible contributions<\/td><\/tr><\/tbody><\/table><\/figure>\n\n\n\n<p>Both Sukanya Samriddhi Yojana and PPF offer guaranteed returns, making them ideal for risk-averse investors, while child plans provide insurance coverage along with investment benefits. However, it is always worthwhile to consult a financial advisor before selecting a plan to ensure it aligns with your financial goals.<\/p>\n\n\n\n<h2 class=\"wp-block-heading\"><span class=\"ez-toc-section\" id=\"Conclusion\"><\/span>Conclusion<span class=\"ez-toc-section-end\"><\/span><\/h2>\n\n\n\n<p>Whether your goal is saving for a girl child\u2019s future, securing her education fund, or planning for major life events, selecting the best child investment plans 2025 is a decision that should be guided by careful research. With so many investment options for girl child in India, from government schemes to mutual funds, building a robust and diversified financial plan is entirely achievable. You should research well before investing in financial products like <a href=\"https:\/\/www.tickertape.in\/blog\/mutual-funds\/\">mutual funds<\/a>, equities, ETFs, etc., at <a href=\"https:\/\/www.tickertape.in\/?ref=blog\">Tickertape<\/a> as it can help you make a well-informed investment decision. For a comprehensive approach to investment for girl child India, consult a financial advisor to tailor the plan to your family\u2019s needs.<\/p>\n\n\n\n<h2 class=\"wp-block-heading\"><span class=\"ez-toc-section\" id=\"FAQs\"><\/span><strong>FAQs<\/strong><span class=\"ez-toc-section-end\"><\/span><\/h2>\n\n\n<div id=\"rank-math-faq\" class=\"rank-math-block\">\n<div class=\"rank-math-list \">\n<div id=\"faq-question-1739448279641\" class=\"rank-math-list-item\">\n<h3 class=\"rank-math-question \"><span class=\"ez-toc-section\" id=\"What-is-the-tax-benefit-of-Sukanya-Samriddhi-YojanaSSY\"><\/span><strong>What is the tax benefit of Sukanya Samriddhi Yojana(SSY)?<\/strong><span class=\"ez-toc-section-end\"><\/span><\/h3>\n<div class=\"rank-math-answer \">\n\n<p>Under Section 80C, the returns from SSY are not taxed, and the maturity amount is not taxed.<\/p>\n\n<\/div>\n<\/div>\n<div id=\"faq-question-1739448293997\" class=\"rank-math-list-item\">\n<h3 class=\"rank-math-question \"><span class=\"ez-toc-section\" id=\"Which-is-the-best-child-plan-to-invest-under-Rs-500\"><\/span><strong>Which is the best child plan to invest under Rs. 500?<\/strong><span class=\"ez-toc-section-end\"><\/span><\/h3>\n<div class=\"rank-math-answer \">\n\n<p>Apart from Sukanya Samriddhi Yojana, National Savings Certificate, and Post Office Term Deposit, all the investment plans mentioned in this blog allow you to invest with a minimum amount of Rs. 500.<\/p>\n\n<\/div>\n<\/div>\n<div id=\"faq-question-1739448312511\" class=\"rank-math-list-item\">\n<h3 class=\"rank-math-question \"><span class=\"ez-toc-section\" id=\"What-are-the-central-government-schemes-for-girl-children\"><\/span><strong>What are the central government schemes for girl children?<\/strong><span class=\"ez-toc-section-end\"><\/span><\/h3>\n<div class=\"rank-math-answer \">\n\n<p>The central government provides schemes like Sukanya Samriddhi Yojana, ensuring financial security for education and marriage expenses, with tax benefits.<\/p>\n\n<\/div>\n<\/div>\n<div id=\"faq-question-1739448323294\" class=\"rank-math-list-item\">\n<h3 class=\"rank-math-question \"><span class=\"ez-toc-section\" id=\"What-is-the-SBI-scheme-for-girl-child\"><\/span><strong>What is the SBI scheme for girl child?<\/strong><span class=\"ez-toc-section-end\"><\/span><\/h3>\n<div class=\"rank-math-answer \">\n\n<p>SBI offers the Sukanya Samriddhi Yojana, a government-backed savings plan with attractive interest rates, aimed at the financial future of a girl child.<\/p>\n\n<\/div>\n<\/div>\n<div id=\"faq-question-1739448332177\" class=\"rank-math-list-item\">\n<h3 class=\"rank-math-question \"><span class=\"ez-toc-section\" id=\"What-is-the-best-policy-for-a-girl-child\"><\/span><strong>What is the best policy for a girl child?<\/strong><span class=\"ez-toc-section-end\"><\/span><\/h3>\n<div class=\"rank-math-answer \">\n\n<p>Sukanya Samriddhi Yojana is considered the best policy, providing high returns, tax benefits, and financial security for education and marriage.<\/p>\n\n<\/div>\n<\/div>\n<div id=\"faq-question-1739448341882\" class=\"rank-math-list-item\">\n<h3 class=\"rank-math-question \"><span class=\"ez-toc-section\" id=\"What-are-the-post-office-schemes-for-a-girl-child\"><\/span><strong>What are the post office schemes for a girl child?<\/strong><span class=\"ez-toc-section-end\"><\/span><\/h3>\n<div class=\"rank-math-answer \">\n\n<p>Post offices offer Sukanya Samriddhi Yojana, which features a minimum annual deposit, high interest, and long-term maturity benefits.<\/p>\n\n<\/div>\n<\/div>\n<div id=\"faq-question-1739448352562\" class=\"rank-math-list-item\">\n<h3 class=\"rank-math-question \"><span class=\"ez-toc-section\" id=\"Is-there-a-post-office-RD-plan-of-%E2%82%B91000-per-month-for-5-years\"><\/span><strong>Is there a post office RD plan of \u20b91,000 per month for 5 years?<\/strong><span class=\"ez-toc-section-end\"><\/span><\/h3>\n<div class=\"rank-math-answer \">\n\n<p>Yes, post offices offer recurring deposit (RD) plans with flexible monthly investments like \u20b91,000 for 5 years, suitable for long-term savings.<\/p>\n\n<\/div>\n<\/div>\n<\/div>\n<\/div>","protected":false},"excerpt":{"rendered":"<p>Discover the best investment plans for a girl child in India, including Sukanya Samriddhi Yojana, mutual funds, and top saving schemes for 2025.<\/p>\n","protected":false},"author":131,"featured_media":2712,"comment_status":"closed","ping_status":"closed","sticky":false,"template":"","format":"standard","meta":{"_acf_changed":false,"inline_featured_image":false,"_lmt_disableupdate":"no","_lmt_disable":"no","footnotes":""},"categories":[8,1738],"tags":[],"acf":[],"modified_by":"vanessa sequeira","jetpack_featured_media_url":"https:\/\/www.tickertape.in\/blog\/wp-content\/uploads\/2021\/05\/Investment-plans-for-girl-child.png?wsr","_links":{"self":[{"href":"https:\/\/www.tickertape.in\/blog\/wp-json\/wp\/v2\/posts\/2700"}],"collection":[{"href":"https:\/\/www.tickertape.in\/blog\/wp-json\/wp\/v2\/posts"}],"about":[{"href":"https:\/\/www.tickertape.in\/blog\/wp-json\/wp\/v2\/types\/post"}],"author":[{"embeddable":true,"href":"https:\/\/www.tickertape.in\/blog\/wp-json\/wp\/v2\/users\/131"}],"replies":[{"embeddable":true,"href":"https:\/\/www.tickertape.in\/blog\/wp-json\/wp\/v2\/comments?post=2700"}],"version-history":[{"count":17,"href":"https:\/\/www.tickertape.in\/blog\/wp-json\/wp\/v2\/posts\/2700\/revisions"}],"predecessor-version":[{"id":17050,"href":"https:\/\/www.tickertape.in\/blog\/wp-json\/wp\/v2\/posts\/2700\/revisions\/17050"}],"wp:featuredmedia":[{"embeddable":true,"href":"https:\/\/www.tickertape.in\/blog\/wp-json\/wp\/v2\/media\/2712"}],"wp:attachment":[{"href":"https:\/\/www.tickertape.in\/blog\/wp-json\/wp\/v2\/media?parent=2700"}],"wp:term":[{"taxonomy":"category","embeddable":true,"href":"https:\/\/www.tickertape.in\/blog\/wp-json\/wp\/v2\/categories?post=2700"},{"taxonomy":"post_tag","embeddable":true,"href":"https:\/\/www.tickertape.in\/blog\/wp-json\/wp\/v2\/tags?post=2700"}],"curies":[{"name":"wp","href":"https:\/\/api.w.org\/{rel}","templated":true}]}}