First year (any time before she turns 10)GuidelineMoney step
For a daughter: open a Sukanya Samriddhi account
From ₹250 a year. Check the current interest rate at the post office or bank.
Why It Matters (Clinical Guidance)
- One of the highest safe interest rates, and tax-free under the old regime.
- Matures when she turns 21.
- Skip this card if you have a son.
Primary Citation: Ministry of Finance small-savings notification (8.2%, Oct to Dec 2026)
Last checked: October 2026 • Medical review panel forming