What gives better returns in 15 yrs, Sukanya Samriddhi or mutual fund SIP?

Investing ₹12,500 monthly in mutual fund SIPs for 15 years, with an expected rate of return of 12%, will yield an estimated return of ₹36.99 lakh and maturity corpus of ₹59.49 lakh. Investing same amount in Sukanya Samriddhi Yojana, with an expected rate of return of 8.2%, will yield estimated return of ₹20.68 lakh and maturity corpus of ₹43.18 lakh.