Should I risk the liability and disqualification from a Section 248 strike-off? Since I'm still responsible for unpaid penalties, isn't it better to use the current CCFS-2026 scheme to exit for only 25% of the usual fee?

If Sukanya offers safety and tax-free returns but limits liquidity and growth, should I reconsider how much long-term equity exposure I actually need? Would a balanced SIP-based portfolio potentially outperform SSY while still helping me meet future education or marriage goals?