Government Schemes
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Government-Backed Investment Options
Public Provident Fund
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.
- 15-year lock-in period
- Section 80C deduction (₹1.5L/yr)
- EEE tax status (Exempt-Exempt-Exempt)
National Pension System
Market-LinkedMarket-linked retirement scheme with equity and debt exposure. Extra ₹50K deduction under 80CCD(1B) over and above 80C.
- Extra ₹50K tax deduction (80CCD1B)
- Equity + Debt + Govt Securities mix
- Pension income at age 60
EPFO
8.25% p.a.Employer-matched provident fund for salaried employees. One of the best risk-free retirement tools with high interest rate.
- Employer matches 12% of basic salary
- Tax-free interest (up to ₹2.5L/yr)
- Retirement corpus builder
Sukanya Samriddhi Yojana
8.2% p.a.Premium savings scheme for the girl child. Highest interest among small savings with full tax benefits.
- For girl child below 10 years
- 21-year maturity from opening
- Section 80C + EEE tax status
Senior Citizen Savings
8.2% p.a.High-interest scheme for retirees aged 60+. Quarterly interest payouts provide regular income in retirement.
- 5-year tenure (extendable by 3)
- Quarterly interest payout
- Section 80C deduction
Post Office MIS
7.4% p.a.Monthly income scheme for conservative investors. Provides guaranteed monthly payouts with capital protection.
- Monthly interest payout
- ₹9 Lakh max investment (single)
- 5-year tenure, capital safe
Side by Side
Scheme Comparison
| 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 |
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