These government schemes in India provide guaranteed income, you should also know about them
Business News Desk, Stock market, mutual funds, cryptocurrency, real estate, fixed deposits are many ways in which small and big investors earn money by investing. There is very high risk in stock market, mutual funds, cryptocurrency. An investor in real estate requires a huge amount of money. At the same time, those banks which are quite small are giving high returns in fixed deposits. Those who want to establish themselves in the market. Otherwise, no big bank is giving more than 5 to 6 percent return on fixed deposits. Now the biggest question is that what are those schemes in which by investing, maximum returns can be obtained and the risk is also minimal. yes? There are not two, 4, 5, or 10 but 13 such schemes in the country. In which small to big investors can earn more than 8 percent return without any risk. All these are small saving schemes of the government or post office schemes. Where post office savings account gives 4 percent interest. On the other hand, investors in Sukanya and Senior Citizen Saving Scheme are getting returns of more than 8 percent. Let us also tell you how much return these 13 government schemes of the country are giving to the investors?
Which scheme is giving how much return?
Post Office Saving Scheme: Here an account can be opened for just Rs 500. There is no limit on maximum. If any account holder does not maintain Rs 500 in the account till the end of the financial year, then a fee of Rs 50 is deducted. The special thing is that when the balance in the account becomes zero, it automatically gets closed. Post office savings account gives an annual return of 4 percent.
5-Year Recurring Deposit Scheme: In this scheme, account can be opened in Rs 1000 or multiples of Rs 10. There is no maximum limit on investment. In this scheme, the post office is giving a return of 6.7 percent to the investors.
Senior City Saving Scheme: This account can be opened for Rs 1000. The maximum limit of investment in this scheme is Rs 30 lakh. The government is giving 8.2 percent return to investors in this scheme.
Monthly Income Scheme: In this account, investment can be made in Rs 1000 or multiples of Rs 100. If you open a single account then the minimum limit of investment has been kept at Rs 9 lakh. If someone opens a joint account then the maximum limit is Rs 15 lakh. In this scheme, investors get a return of 7.4 percent.
National Savings Certificate: In this scheme, account can be opened for minimum amount of Rs 1000 and in multiples of Rs 100. There is no maximum limit on investment. In this scheme, investors get 7.7 percent interest.
Public Provident Fund: In this scheme, an investor can invest a minimum of Rs 500 and a maximum of Rs 1.5 lakh in a year. Investors get 7.1 percent interest annually on PPF.
Kisan Vikas Patra: In this scheme, any investor can open an account with a minimum of Rs 1000 or in multiples of Rs 100. There is no maximum limit for investment. In this, investors get a return of 7.5 percent in a year. The special thing is that in this scheme the investors' money doubles in 9 years and 7 months.
Mahila Samman Savings Certificate: This account can be opened by investing a minimum of Rs 1,000 and in multiples of 100. The maximum limit in one account or all the accounts of the account holder is Rs 2 lakh. A gap of three months is mandatory between opening the Mautuda account and another account. 7.5 percent annual interest is given on this scheme.
Sukanya Samriddhi Yojana Account: In this scheme, investors can invest a minimum of Rs 2.50 and a maximum of Rs 1.5 lakh in a financial year. The interest given on this scheme is 8.2 percent per annum.
