India ke saare major government-backed investment schemes — interest rates, tax benefits, aur lock-in periods ek jagah compare karo. Zero risk, 100% sovereign guarantee.
India ka gold standard long-term debt investment. Coveted EEE (Exempt-Exempt-Exempt) tax status — contribute se lekar maturity tak zero tax.
Beti ke liye highest interest-bearing small savings scheme. Age below 10 years ki girls ke parents ke liye — best for higher education & marriage.
Post Office ka reliable fixed-income instrument. Interest reinvested annually itself qualifies as fresh 80C investment — compounding benefit.
Retirees ke liye perfect. Lumpsum invest karo aur 5 saal tak guaranteed monthly income pao. Single ya joint account mein invest karein.
Sasta aur behtareen monthly saving habit banane ka zariya. Minimum ₹100/month se shuru karein. Compounding quarterly hota hai.
Bank FD jaisa hai but government guaranteed. 1, 2, 3, ya 5 year tenure choose karein. 5-year TD pe 80C benefit milta hai.
60+ age ke individuals ke liye India ka best-paying safe investment. Quarterly interest payouts milte hain. Highest rate among PO schemes.
Low-cost retirement savings vehicle with choice of Equity, Corporate Bonds, and Government Securities. PFRDA regulated, transparent fund management.
Unorganized sector workers ke liye guaranteed monthly pension. Contribution monthly/quarterly/yearly dein, 60 ke baad ₹1K-5K fixed pension guaranteed.
Sirf ₹436/year mein ₹2 Lakh ka life cover. Kisi bhi savings bank account holder (18-50 age) ke liye. Auto-debit se easy renewal.
Sirf ₹20/year mein ₹2 Lakh accidental death aur full disability cover, aur ₹1 Lakh partial disability ke liye. India ka sabse sasta accident insurance.
Farmers ke liye crop insurance. Natural calamities, pests, aur diseases se crop loss hone par compensation milta hai. Premium sirf 1.5–5% of sum insured.
Equity Linked Savings Scheme — only 80C instrument with potential to beat inflation significantly. Shortest lock-in (3 years) among all tax-saving options.
100% safe investment directly with RBI. Interest rate is floating — pegged 0.35% above NSC rate. No maximum investment limit. Bi-annual interest payout.
Physical gold rakhne ke jhanjhat ke bina gold mein invest karein. RBI issue karta hai. Price linked to gold, plus 2.5% annual interest bonus on top!
Affordable housing scheme — EWS, LIG, aur MIG categories ke liye home loan interest subsidy milti hai CLSS ke through. Pucca ghar milne ka sapna!
Zero balance savings account with RuPay debit card, accident insurance cover, overdraft facility, aur life insurance. Ek account — kai benefits!
Post Office ki ek reliable scheme jahan aapka paisa defined time period mein DOUBLE ho jaata hai. No maximum limit. Transferable between individuals.
Duniya ka sabse bada health insurance scheme. Eligible families ko ₹5 Lakh tak cashless treatment milti hai India ke 24,000+ empanelled hospitals mein.
Free skill training + government certification. 40+ sectors mein short-term courses. Trained candidates ko monetary reward aur placement assistance bhi milti hai.
Apna business shuru karna hai? PM Mudra Yojana ke under Shishu (₹50K), Kishore (₹5L), aur Tarun (₹10L) category mein collateral-free loans milte hain.
| Scheme | Rate | 80C? | Risk | Best For |
|---|---|---|---|---|
| PPF | 7.1% | ✅ Yes | 🟢 Zero | Long-term savings |
| SSY | 8.2% | ✅ Yes | 🟢 Zero | Girl child education |
| NSC | 7.7% | ✅ Yes | 🟢 Zero | Fixed 5-year saving |
| SCSS | 8.2% | ✅ Yes (upto 1.5L) | 🟢 Zero | Senior Citizens |
| NPS | 9–12%* | ✅ +₹50K extra | 🟡 Market | Retirement corpus |
| KVP | 7.5% | ❌ No | 🟢 Zero | Double money goal |
| PO-MIS | 7.4% | ❌ No | 🟢 Zero | Monthly income |
| SGB | Gold+2.5% | ❌ No | 🟡 Gold Risk | Digital gold invest |
| ELSS MF | 14–16%* | ✅ Yes | 🔴 Market High | High growth + tax save |
| RBI FRB | 8.05% | ❌ No | 🟢 Zero | Parking surplus funds |
| APY | Guaranteed | ✅ 80CCD | 🟢 Zero | Pension guarantee |
* Market-linked returns — past performance not guaranteed. All rates as of Q1 FY2025-26. Subject to change by Government.