Your last deposit lands in year 15, when the balance is ₹44,75,989. Nothing more goes in, yet the account keeps compounding to ₹71,82,119 by year 21, ₹27,06,130 earned without a rupee of fresh money. Closing early throws that away.
| Year | Her age | Deposit | Interest | Balance |
|---|---|---|---|---|
| 1 | 6 | ₹1,50,000 | ₹12,300 | ₹1,62,300 |
| 2 | 7 | ₹1,50,000 | ₹25,609 | ₹3,37,909 |
| 3 | 8 | ₹1,50,000 | ₹40,009 | ₹5,27,917 |
| 4 | 9 | ₹1,50,000 | ₹55,589 | ₹7,33,506 |
| 5 | 10 | ₹1,50,000 | ₹72,448 | ₹9,55,954 |
| 6 | 11 | ₹1,50,000 | ₹90,688 | ₹11,96,642 |
| 7 | 12 | ₹1,50,000 | ₹1,10,425 | ₹14,57,067 |
| 8 | 13 | ₹1,50,000 | ₹1,31,779 | ₹17,38,846 |
| 9 | 14 | ₹1,50,000 | ₹1,54,885 | ₹20,43,732 |
| 10 | 15 | ₹1,50,000 | ₹1,79,886 | ₹23,73,618 |
| 11 | 16 | ₹1,50,000 | ₹2,06,937 | ₹27,30,554 |
| 12 | 17 | ₹1,50,000 | ₹2,36,205 | ₹31,16,760 |
| 13 | 18 | ₹1,50,000 | ₹2,67,874 | ₹35,34,634 |
| 14 | 19 | ₹1,50,000 | ₹3,02,140 | ₹39,86,774 |
| 15 | 20 | ₹1,50,000 | ₹3,39,215 | ₹44,75,989 |
| 16 | 21 | no deposit | ₹3,67,031 | ₹48,43,020 |
| 17 | 22 | no deposit | ₹3,97,128 | ₹52,40,148 |
| 18 | 23 | no deposit | ₹4,29,692 | ₹56,69,840 |
| 19 | 24 | no deposit | ₹4,64,927 | ₹61,34,767 |
| 20 | 25 | no deposit | ₹5,03,051 | ₹66,37,818 |
| 21matures | 26 | no deposit | ₹5,44,301 | ₹71,82,119 |
| Sukanya Samriddhi | PPF | |
|---|---|---|
| Rate this quarter | 8.2% | 7.1% |
| Deposit years | 15 | 15 |
| Term before payout | 21 years | 15 years |
| Total deposited | ₹22,50,000 | ₹22,50,000 |
| Interest earned | ₹49,32,119 | ₹18,18,209 |
| Amount you receive | ₹71,82,119 | ₹40,68,209 |
Not a like-for-like race. SSY wins on two counts at once (a higher notified rate and six extra compounding years), so roughly ₹31,13,910 of the gap comes from term as much as from rate. A PPF account extended in 5-year blocks past year 15 keeps compounding too, and PPF has no age or gender condition, no 15-year deposit cut-off, and can be opened by anyone. Both are EEE and both draw on the same ₹1.5 lakh Section 80C ceiling, so funding one fully leaves nothing for the other.