Government Schemes

Safe & Guaranteed

Government-Backed Investment Options

7.1% p.a.

Long-term tax-free savings instrument backed by the Government of India. Ideal for building a retirement corpus with guaranteed returns.

Market-Linked

Market-linked retirement scheme with equity and debt exposure. Extra ₹50K deduction under 80CCD(1B) over and above 80C.

8.25% p.a.

Employer-matched provident fund for salaried employees. One of the best risk-free retirement tools with high interest rate.

8.2% p.a.

Premium savings scheme for the girl child. Highest interest among small savings with full tax benefits.

8.2% p.a.

High-interest scheme for retirees aged 60+. Quarterly interest payouts provide regular income in retirement.

7.4% p.a.

Monthly income scheme for conservative investors. Provides guaranteed monthly payouts with capital protection.

Side by Side

Scheme	Interest Rate	Lock-in	Tax Benefit	Risk Level
PPF	7.1%	15 Years	80C + EEE	Low
NPS	Market-Linked	Till 60	80C + 80CCD(1B)	Moderate
EPFO	8.25%	Till Retirement	80C + EEE	Low
Sukanya Samriddhi	8.2%	21 Years	80C + EEE	Low
SCSS	8.2%	5 Years	80C	Low
Post Office MIS	7.4%	5 Years	None	Low