The equity part seems to be pretty good.

I personally might have stretched the SIP's by reducing the monthly amount , but some studies have not shown that much difference between lumpsum and sip returns over the long term.

Please read up about Sukanya Samriddhi plan completely.

There is some small minimum annual instalment for Sukanya Samriddhi plan in the first 14 years.

I think normal maturity of Sukanya Samriddhi plan is 21 years from the opening date.

I think Sukanya Samriddhi allows only fifty percent withdrawal for higher education when the girl reaches 18 years unless she is intending to use the full amount for marriage.

The interest rates have also moved around from 9.2 to 8.5 percent {was 8.1 percent last year }