For someone starting early, Sukanya Samriddhi for a girl child is the obvious winner. But listen, naka, forget the 'best' plan if you're starting late like me—just start *something* consistent, even a humble PPF. My worry for my SSC coaching taught me that a small, sure thing you can actually afford is better than the perfect scheme you can't. My father's municipal clerk salary meant big plans always stayed plans.
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