PPF vs SSY: Where to get more returns on 5000/month? SBI calculator reveals

• Government keeps interest rates unchanged for small savings schemes, including PPF and SSY, for Q1 FY2026-27.
• Interest rates for April 1, 2026, to June 30, 2026, remain the same as the previous quarter.
• Comparing PPF (7.1%) and SSY (8.2%) for a 5000 rupees monthly investment (60,000 annually).
• SSY matures in 21 years (15 years deposit, 6 years interest), yielding 28,72,848 rupees (19,72,848 interest).
• PPF matures in 15 years, yielding 16,27,284 rupees (7,27,284 interest), with option for 5-year extensions.

Key Question Answered

How do SSY returns compare to other schemes?

The Sukanya Samriddhi Yojana (SSY) offers an attractive interest rate of 8.2%, which is higher than typical bank Fixed Deposits (FDs) that offer 6% to 7.5%. While PPF offers 7.