10 Government Investment Schemes

1. Government Bonds (G-Secs)

Eligibility: Resident individuals and Hindu Undivided Families (HUFs)

Interest Rate: Varies by bond; typically between 6%–8% annually.

How to Invest: Purchase through RBI Retail Direct.

2. National Pension System (NPS)

Eligibility: Indian citizens (resident or non-resident) aged 18–70 years.

Interest Rate: Market-linked returns, avg return 10-12%

How to Invest: Open an account online via eNPS

3. Public Provident Fund (PPF)

Eligibility: Resident individuals

Interest Rate: 7.1% per annum (compounded annually).

How to Invest: Open an account at any bank or post office

4. Employees' Provident Fund (EPF)

Eligibility: Mandatory for salaried employees earning up to ₹15,000 per month in establishments with 20 or more employees.

Interest Rate: 8.25% per annum for FY 2025-26

How to Invest: Automatically deducted from salary

5. Sukanya Samriddhi Yojana (SSY)

Eligibility: Parents or legal guardians of a girl child below 10 years of age.

Interest Rate: 8.2% per annum (compounded annually)

How to Invest: Open an account at post offices or banks

6. Senior Citizens Savings Scheme (SCSS)

Eligibility: Individuals aged 60 years or above

Interest Rate: 8.2% per annum (quarterly payout)

How to Invest: Open an account at post offices or authorized banks

7. National Savings Certificate (NSC)

Eligibility: Resident individuals

Interest Rate: 7.7% per annum (compounded annually). citeturn0search6

How to Invest: Available at post offices; application requires KYC documents.

8. RBI Floating Rate Savings Bonds (FRSB)

Eligibility:Resident individuals

Interest Rate: 8.05%. Interest is payable semi-annually

Tenure: The bonds have a maturity period of 7 years.

How to Invest: RBI Retail Direct

9. Post Office Monthly Income Scheme (POMIS)

Minors aged 10 years and above can open an account in their name.

Interest Rate: 7.4%, monthly credited

How to Invest: Visit the nearest post office

10. State Govt Bonds (same as govt bonds but with high interest)