Compare Sukanya Samriddhi Account — Bank of Baroda service route and e-Kisan Vikas Patra (e-KVP) — Bank of Baroda using the controlling cost, balance, rate, tenure, liquidity, limits, eligibility and current first-party bank evidence for this product type.
Compare the two source-backed records without collapsing unlike conditions into a winner score.
Parents or eligible guardians saving specifically for a resident girl child’s long-term education/marriage goals where the beneficiary rules and long horizon fit the family’s needs.
Resident investors wanting a government-backed fixed-at-purchase return with no statutory maximum investment and who can accept the 2-year-6-month normal lock before premature closure.
littleden.blog · Comparison research sheet
Prepared 14 Sep 2026 · Source page: https://littleden.blog/compare-banking/bob-sukanya-samriddhi-account-vs-bob-e-kisan-vikas-patra/
General product research only. Recheck the listed first-party sources before acting because product terms can change after the recorded review dates.
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Source review: September 10, 2026
Maintenance: Within the scheduled review window
3 attached sources. A review date is not a guarantee that terms have stayed unchanged.
Source review: September 10, 2026
Maintenance: Within the scheduled review window
3 attached sources. A review date is not a guarantee that terms have stayed unchanged.
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| Decision factor | Sukanya Samriddhi Account — Bank of Baroda service route | e-Kisan Vikas Patra (e-KVP) — Bank of Baroda |
|---|---|---|
| Current government rate / mechanism | 8.20% p.a. for 1 July–30 September 2026; the Government reviews the rate quarterly and the account credits interest annually. | 7.50% p.a. for e-KVP purchases in the current 1 July–30 September 2026 quarter; unlike PPF/SSA, the rate at purchase is contractual and remains applicable through that certificate’s maturity. Current maturity is 115 months. |
| Contribution / investment / term | Open with at least ₹250; at least ₹250 must be contributed in a financial year to keep the account regular, with a ₹1.5 lakh annual maximum. Deposits are made for 15 years and the account matures 21 years from opening under current rules. | Minimum ₹1,000 and then ₹100 multiples; no maximum investment limit under the reviewed scheme page. |
| Payout / tax / scheme benefits | Government-backed girl-child savings, annual compounding, current tax-exempt interest/maturity treatment, and eligible contributions within the applicable aggregate Section 123 / Schedule XV deduction framework. Education withdrawal is available under defined conditions. | Government-backed contractual return, nomination, branch and eligible bob World purchase routes, and ability to use the certificate as collateral under applicable rules. |
| Liquidity / loan / transfer rules | Up to 50% of the preceding financial-year balance may be withdrawn for education after the account holder reaches 18 or passes Class 10, whichever is earlier. Premature closure is limited to specified death/compassionate/marriage circumstances. | Normal premature closure is available only after 2 years 6 months. Earlier closure is limited to specified death, forfeiture by eligible pledge or court-order cases. No Section 123 principal deduction is modeled for KVP. |
| Scheme eligibility | A resident girl child aged 0–10 through a parent/legal guardian, subject to the current family-account-count rules and multiple-birth exceptions. The beneficiary operates the account after age 18. | Resident Indian adults, eligible purchases on behalf of minors and permitted joint adult holdings. NRI, HUF, trust, company and charitable-organization purchase is excluded by the reviewed Bank of Baroda page. |
| Government / service-channel rule | Bank of Baroda services the Government of India scheme. Rate, beneficiary eligibility, contribution ceiling and maturity rules are government-set rather than bank-priced. | All Bank of Baroda branches are stated to be authorized to issue e-KVP and eligible customers can purchase through bob World; the Government sets the quarterly new-purchase rate, while the booked rate remains contractual to maturity. |
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Reviewed September 10, 2026 · 3 attached first-party sources
Reviewed September 10, 2026 · 3 attached first-party sources