Government Investment Schemes With Good Return अच्छे रिटर्न वाली सरकारी निवेश योजनाएं

Public Provident Fund is a long-term investment option that offers an attractive rate of interest and returns on the amount invested. This is a savings-cum-tax-saving instrument in India with the main benefit that the interest earned and the returns are not taxable under Income Tax.

To utilize modest savings in the form of investments with a return, the Public Provident Fund (PPF) was established in India in 1968. The scheme has now become one of the most popular long-term savings schemes owing to its benefits of tax savings, returns, and safety. The Public Provident Fund is open to all Indian citizens. It offers an attractive rate of interest along with tax exemptions on deposits, interest, and withdrawals. The PPF Scheme’s returns, when withdrawn, are entirely tax-free.

National Savings Certificate (NSC) is a tax-saving investment that can be purchased from any post office by an Indian Resident. The scheme is a Government of India initiative. The NSC has a history of 138 years. It is the oldest saving scheme under the Government saving bonds. In the year 1836, the Britishers adopted it to mobilize funds for World War II.

The National Savings Certificate, commonly known as NSC, is a Government Saving Bond. Interest on National Savings Certificate (NSC) shall be liable to tax under the Income-Tax Act, 1961 (43 of 1961), based on the annual accrual specified in rule 15, but no tax shall be deducted at the time of payment of discharge value.

Sovereign Gold Bonds are the perfect alternative to investment in physical gold. With these bonds, you can enjoy capital appreciation and also earn interest every year. In India, people like investing in gold, especially since many cultures consider this yellow metal precious. But when we buy chunky jewelry we have to worry about its safekeeping so why not invest in Sovereign Gold Bonds? They are less risky and convenient and you dont have to worry about their storage.

This is a Government of India undertaking that allows you to purchase gold on paper. This scheme is a substitute for holding physical gold where the investor has to pay for the purchase in cash, and the bonds will be redeemed in cash upon maturity.

Pension plans provide financial security and stability during old age when people don’t have a regular source of income. Retirement plan ensures that people live with pride and without compromising on their standard of living during advancing years. A pension scheme gives an opportunity to invest and accumulate savings and get a lump sum amount as regular income through an annuity plan on retirement.

The government of India established Pension Fund Regulatory and Development Authority (PFRDA)- An external website that opens in a new window on 10th October 2003 to develop and regulate the pension sector in the country. The National Pension System (NPS) was launched on 1st January 2004 to provide retirement income to all citizens. NPS aims to institute pension reforms and to inculcate the habit of saving for retirement amongst the citizens.

The post office is probably the oldest organization in India and was started in the British era in 1854. It started as delivering posts only, but later on, widened its services by offering other banking services. Because they are backed by the government, investing in these schemes is considered relatively safe. It’s a great monthly investment scheme that can yield much higher earnings in later years.

The depositor will get a monthly interest payout. Though the Rate of interest in Post office MIS is reviewed every quarter, once opened the account will be at the same rate till maturity. The main objective of the POMIS is to provide an assured monthly return to account holders and help them create a guaranteed regular income.

The above government schemes are really good for a start with less risk and decent returns. Choose the one that would suit you, and start investing.

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