Top 6 Best Government Investment Schemes in India

 Launched under the 'Beti Bachao, Beti Padhao' campaign by PM Narendra Modi, it focuses on securing the future of minor girl children. Parents can open an account in their daughter's name from her birth until she turns 10. Investment ranges from INR 1,000 to INR 1.5 lakh per year, with a 21-year tenure.

Sukanya Samriddhi Yojana

A popular government-backed retirement savings scheme open to all Indian citizens, mandatory for government employees. Subscribers aged 18 to 60 can allocate funds across equity, corporate bonds, and government securities. Investments up to INR 50,000 are tax-deductible under section 80 CCD (1B), and up to INR 1,50,000 under Section 80C.

National Pension Scheme (NPS)

Among India's oldest and most reliable retirement schemes, offering tax savings. The current interest rate is 7.1% p.a., with a 15-year tenure. Subscribers can claim tax deductions of up to INR 1,50,000 under Section 80C.

Public Provident Fund (PPF)

Aims to promote savings habits among Indians, with a flexible investment option. The interest rate changes annually, and subscribers can claim a tax deduction of INR 1.5 lakh under Section 80C.

National Savings Certificate (NSC)

A social security scheme for workers in the unorganized sector, encouraging financial security during old age. Eligible citizens aged 18 to 40 can apply, and contributions must be made until the age of 60.

Atal Pension Yojana (APY)

Provides basic banking services to economically vulnerable sections of society. Minors above 10 and Indian residents above 18 can open accounts. Subscribers can exit the scheme only after reaching the age of 60.

Pradhan Mantri Jan Dhan Yojana (PMJDY)

These government investment schemes in India offer diverse opportunities to secure your financial future and enjoy a comfortable retirement. Choose wisely and start investing today


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