PPF, SSY, NPS Vatsalya or MF: Which builds the largest education corpus for your child? – Check investment strategy
Last Update Date: 05-10-2026
Published by Mint
Abhishek Kumar's role: Quoted
Abhishek Kumar said liquidity and discipline rarely go together, and explained that a lock-in can protect a child's education fund from early withdrawals and market-driven panic.
More of Abhishek's views on retirement
The article compares four ways to save for a child's future: PPF, Sukanya Samriddhi Yojana, NPS Vatsalya and mutual funds, using a ₹3,000 monthly investment over 15 years. It weighs growth potential against easy access to the money, and discusses pairing a lock-in scheme with a market-linked fund.
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PPF, SSY, NPS Vatsalya or MF: Which builds the largest education corpus for your child? – Check investment strategy