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aria-label="Co-branded Credit Cards">Co-branded Credit Cards</a></li><li class="text-sm ml-6 pt-1 pb-1"><a class="inline-flex hover:underline no-underline text-bbBlue" href="/credit-card/rbl-bank-bankbazaar-savemax-credit-card.html" title="RBL SaveMax Credit Card" aria-label="RBL SaveMax Credit Card">RBL SaveMax Credit Card</a></li><li class="text-sm ml-6 pt-1 pb-1"><a class="inline-flex hover:underline no-underline text-bbBlue" href="/credit-card/finbooster-yes-bank-bankbazaar-co-branded-credit-card.html " title="Yes Bank FinBooster Credit Card" aria-label="Yes Bank FinBooster Credit Card">Yes Bank FinBooster Credit Card</a></li><li class="text-sm ml-6 pt-1 pb-1"><a class="inline-flex hover:underline no-underline text-bbBlue" href="/hdfc-credit-card.html" title="HDFC Credit Cards" aria-label="HDFC Credit Cards">HDFC Credit Cards</a></li><li class="text-sm ml-6 pt-1 pb-1"><a class="inline-flex hover:underline no-underline text-bbBlue" href="/sbi-credit-card.html" title="SBI Credit Cards" aria-label="SBI Credit Cards">SBI Credit Cards</a></li><li class="text-sm ml-6 pt-1 pb-1"><a class="inline-flex hover:underline no-underline text-bbBlue" href="/indusind-credit-card.html" title="Indusind Bank Credit cards" aria-label="Indusind Bank Credit cards">Indusind Bank Credit cards</a></li><li class="text-sm ml-6 pt-1 pb-1"><a class="inline-flex hover:underline no-underline text-bbBlue" href="/credit-card/top-10-credit-cards-in-india.html" title="Top 10 Credit Cards" aria-label="Top 10 Credit Cards">Top 10 Credit Cards</a></li></ul></div></details></div><div class="border bg-transparent hover:bg-transparent text-sm"><details name="accordion" class="px-4 py-4"><summary class="cursor-pointer block relative"><strong><svg xmlns="http://www.w3.org/2000/svg" width="24" height="24" viewBox="0 0 24 24" fill="none" stroke="currentColor" stroke-width="2" stroke-linecap="round" stroke-linejoin="round" class="lucide lucide-school mr-2 h-full"><path d="M14 22v-4a2 2 0 1 0-4 0v4"></path><path d="m18 10 4 2v8a2 2 0 0 1-2 2H4a2 2 0 0 1-2-2v-8l4-2"></path><path d="M18 5v17"></path><path d="m4 6 8-4 8 4"></path><path d="M6 5v17"></path><circle cx="12" cy="9" r="2"></circle></svg>Home Loans <span class="accordion-arrow absolute right-2.5"><svg xmlns="http://www.w3.org/2000/svg" width="24" height="24" viewBox="0 0 24 24" fill="none" stroke="currentColor" stroke-width="2" stroke-linecap="round" stroke-linejoin="round" class="lucide lucide-chevron-down"><path d="m6 9 6 6 6-6"></path></svg></span></strong></summary><div class="py-2.5"><ul class="list-none "><li class="text-sm ml-6 pt-1 pb-1"><a class="inline-flex hover:underline no-underline text-bbBlue" href="/home-loan.html" title="Compare Home Loans" aria-label="Compare Home Loans">Compare Home Loans</a></li><li class="text-sm ml-6 pt-1 pb-1"><a class="inline-flex hover:underline no-underline text-bbBlue" href="/home-loan/emi-calculator.html" title="Home Loan Calculator" aria-label="Home Loan Calculator">Home Loan Calculator</a></li><li class="text-sm ml-6 pt-1 pb-1"><a class="inline-flex hover:underline no-underline text-bbBlue" href="/home-loan-interest-rate.html" title="Home Loan Interest Rates" aria-label="Home Loan Interest Rates">Home Loan Interest Rates</a></li><li class="text-sm ml-6 pt-1 pb-1"><a class="inline-flex hover:underline no-underline text-bbBlue" href="/home-loan-eligibility.html" title="Home Loan Eligibility" aria-label="Home Loan Eligibility">Home Loan Eligibility</a></li><li class="text-sm ml-6 pt-1 pb-1"><a class="inline-flex hover:underline no-underline text-bbBlue" href="/home-loan-balance-transfer.html" title="Home Loan Transfer" aria-label="Home Loan Transfer">Home Loan Transfer</a></li><li class="text-sm ml-6 pt-1 pb-1"><a class="inline-flex hover:underline no-underline text-bbBlue" href="/home-loan/pradhan-mantri-awas-yojana.html" title="PMAY" aria-label="PMAY">PMAY</a></li><li class="text-sm ml-6 pt-1 pb-1"><a class="inline-flex hover:underline no-underline text-bbBlue" href="/sbi-home-loan.html" title="SBI Home Loan" aria-label="SBI Home Loan">SBI Home Loan</a></li><li class="text-sm ml-6 pt-1 pb-1"><a class="inline-flex hover:underline no-underline text-bbBlue" href="/hdfc-home-loan.html" title="HDFC Home Loan" aria-label="HDFC Home Loan">HDFC Home Loan</a></li></ul></div></details></div><div class="border bg-transparent hover:bg-transparent text-sm"><details name="accordion" class="px-4 py-4"><summary class="cursor-pointer block relative"><strong><svg xmlns="http://www.w3.org/2000/svg" width="24" height="24" viewBox="0 0 24 24" fill="none" stroke="currentColor" stroke-width="2" stroke-linecap="round" stroke-linejoin="round" class="lucide lucide-indian-rupee mr-2 h-full"><path d="M6 3h12"></path><path d="M6 8h12"></path><path d="m6 13 8.5 8"></path><path d="M6 13h3"></path><path d="M9 13c6.667 0 6.667-10 0-10"></path></svg>Personal Loans <span class="accordion-arrow absolute right-2.5"><svg xmlns="http://www.w3.org/2000/svg" width="24" height="24" viewBox="0 0 24 24" fill="none" stroke="currentColor" stroke-width="2" stroke-linecap="round" stroke-linejoin="round" class="lucide lucide-chevron-down"><path d="m6 9 6 6 6-6"></path></svg></span></strong></summary><div class="py-2.5"><ul class="list-none "><li class="text-sm ml-6 pt-1 pb-1"><a class="inline-flex hover:underline no-underline text-bbBlue" href="/personal-loan.html" title="Compare Personal Loans" aria-label="Compare Personal Loans">Compare Personal Loans</a></li><li class="text-sm ml-6 pt-1 pb-1"><a class="inline-flex hover:underline no-underline text-bbBlue" href="/personal-loan/emi-calculator.html" title="Personal Loan Calculator" aria-label="Personal Loan Calculator">Personal Loan Calculator</a></li><li class="text-sm ml-6 pt-1 pb-1"><a class="inline-flex hover:underline no-underline text-bbBlue" href="/personal-loan-interest-rate.html" title="Personal Loan Interest Rates" aria-label="Personal Loan Interest Rates">Personal Loan Interest Rates</a></li><li class="text-sm ml-6 pt-1 pb-1"><a class="inline-flex hover:underline no-underline text-bbBlue" href="/personal-loan-eligibility.html" title="Personal Loan Eligibility" aria-label="Personal Loan Eligibility">Personal Loan Eligibility</a></li><li class="text-sm ml-6 pt-1 pb-1"><a class="inline-flex hover:underline no-underline text-bbBlue" href="/sbi-personal-loan.html" title="SBI Personal Loan" aria-label="SBI Personal Loan">SBI Personal Loan</a></li><li class="text-sm ml-6 pt-1 pb-1"><a class="inline-flex hover:underline no-underline text-bbBlue" href="/hdfc-personal-loan.html" title="HDFC Personal Loan" aria-label="HDFC Personal Loan">HDFC Personal Loan</a></li></ul></div></details></div><div class="border bg-transparent hover:bg-transparent text-sm"><details name="accordion" class="px-4 py-4"><summary class="cursor-pointer block relative"><strong><svg xmlns="http://www.w3.org/2000/svg" width="24" height="24" viewBox="0 0 24 24" fill="none" stroke="currentColor" stroke-width="2" stroke-linecap="round" stroke-linejoin="round" class="lucide lucide-indian-rupee mr-2 h-full"><path d="M6 3h12"></path><path d="M6 8h12"></path><path d="m6 13 8.5 8"></path><path d="M6 13h3"></path><path d="M9 13c6.667 0 6.667-10 0-10"></path></svg>Other Loans <span class="accordion-arrow absolute right-2.5"><svg xmlns="http://www.w3.org/2000/svg" width="24" height="24" viewBox="0 0 24 24" fill="none" stroke="currentColor" stroke-width="2" stroke-linecap="round" stroke-linejoin="round" class="lucide lucide-chevron-down"><path d="m6 9 6 6 6-6"></path></svg></span></strong></summary><div class="py-2.5"><ul class="list-none "><li class="text-sm ml-6 pt-1 pb-1"><a class="inline-flex hover:underline no-underline text-bbBlue" href="/car-loan.html" title="Car Loan" aria-label="Car Loan">Car Loan</a></li><li class="text-sm ml-6 pt-1 pb-1"><a class="inline-flex hover:underline no-underline text-bbBlue" href="/two-wheeler-loan.html" title="Two Wheeler Loan" aria-label="Two Wheeler Loan">Two Wheeler Loan</a></li><li class="text-sm ml-6 pt-1 pb-1"><a class="inline-flex hover:underline no-underline text-bbBlue" href="/education-loan.html" title="Education Loan" aria-label="Education Loan">Education Loan</a></li><li class="text-sm ml-6 pt-1 pb-1"><a class="inline-flex hover:underline no-underline text-bbBlue" href="/gold-loan.html" title="Gold Loan" aria-label="Gold Loan">Gold Loan</a></li><li class="text-sm ml-6 pt-1 pb-1"><a class="inline-flex hover:underline no-underline text-bbBlue" href="/home-loan/loan-against-property.html" title="Loan Against Property" aria-label="Loan Against Property">Loan Against Property</a></li></ul></div></details></div><div class="border bg-transparent hover:bg-transparent text-sm"><details name="accordion" class="px-4 py-4"><summary class="cursor-pointer block relative"><strong><svg xmlns="http://www.w3.org/2000/svg" width="24" height="24" viewBox="0 0 24 24" fill="none" stroke="currentColor" stroke-width="2" stroke-linecap="round" stroke-linejoin="round" class="lucide lucide-calculator mr-2 h-full"><rect width="16" height="20" x="4" y="2" rx="2"></rect><line x1="8" x2="16" y1="6" y2="6"></line><line x1="16" x2="16" y1="14" y2="18"></line><path d="M16 10h.01"></path><path d="M12 10h.01"></path><path d="M8 10h.01"></path><path d="M12 14h.01"></path><path d="M8 14h.01"></path><path d="M12 18h.01"></path><path d="M8 18h.01"></path></svg>Calculators <span class="accordion-arrow absolute right-2.5"><svg xmlns="http://www.w3.org/2000/svg" width="24" height="24" viewBox="0 0 24 24" fill="none" stroke="currentColor" stroke-width="2" stroke-linecap="round" stroke-linejoin="round" class="lucide lucide-chevron-down"><path d="m6 9 6 6 6-6"></path></svg></span></strong></summary><div class="py-2.5"><ul class="list-none "><li class="text-sm ml-6 pt-1 pb-1"><a class="inline-flex hover:underline no-underline text-bbBlue" href="/finance-tools/emi-calculator.html" title="EMI Calculator" aria-label="EMI Calculator">EMI Calculator</a></li><li class="text-sm ml-6 pt-1 pb-1"><a class="inline-flex hover:underline no-underline text-bbBlue" href="/home-loan/emi-calculator.html" title="Home Loan EMI Calculator" aria-label="Home Loan EMI Calculator">Home Loan EMI Calculator</a></li><li class="text-sm ml-6 pt-1 pb-1"><a class="inline-flex hover:underline no-underline text-bbBlue" href="/personal-loan/emi-calculator.html" title="Personal Loan EMI Calculator" aria-label="Personal Loan EMI Calculator">Personal Loan EMI Calculator</a></li><li class="text-sm ml-6 pt-1 pb-1"><a class="inline-flex hover:underline no-underline text-bbBlue" href="/car-loan/emi-calculator.html" title="Car Loan EMI Calculator" aria-label="Car Loan EMI Calculator">Car Loan EMI Calculator</a></li><li class="text-sm ml-6 pt-1 pb-1"><a class="inline-flex hover:underline no-underline text-bbBlue" href="/tax/income-tax-calculator.html" title="Income Tax Calculator" aria-label="Income Tax Calculator">Income Tax Calculator</a></li><li class="text-sm ml-6 pt-1 pb-1"><a class="inline-flex hover:underline no-underline text-bbBlue" href="/fixed-deposit/fd-calculator.html" title="FD Calculator" aria-label="FD Calculator">FD Calculator</a></li><li class="text-sm ml-6 pt-1 pb-1"><a class="inline-flex hover:underline no-underline text-bbBlue" href="/recurring-deposit/rd-interest-calculator.html" title="RD Calculator" aria-label="RD Calculator">RD Calculator</a></li><li class="text-sm ml-6 pt-1 pb-1"><a class="inline-flex hover:underline no-underline text-bbBlue" href="/calculators.html" title="All Financial Calculators" aria-label="All Financial Calculators">All Financial Calculators</a></li></ul></div></details></div><div class="border bg-transparent hover:bg-transparent text-sm"><details name="accordion" class="px-4 py-4"><summary class="cursor-pointer block relative"><strong><svg xmlns="http://www.w3.org/2000/svg" width="24" height="24" viewBox="0 0 24 24" fill="none" stroke="currentColor" stroke-width="2" stroke-linecap="round" stroke-linejoin="round" class="lucide lucide-indian-rupee mr-2 h-full"><path d="M6 3h12"></path><path d="M6 8h12"></path><path d="m6 13 8.5 8"></path><path d="M6 13h3"></path><path d="M9 13c6.667 0 6.667-10 0-10"></path></svg>Investments <span class="accordion-arrow absolute right-2.5"><svg xmlns="http://www.w3.org/2000/svg" width="24" height="24" viewBox="0 0 24 24" fill="none" stroke="currentColor" stroke-width="2" stroke-linecap="round" stroke-linejoin="round" class="lucide lucide-chevron-down"><path d="m6 9 6 6 6-6"></path></svg></span></strong></summary><div class="py-2.5"><ul class="list-none "><li class="text-sm ml-6 pt-1 pb-1"><a class="inline-flex hover:underline no-underline text-bbBlue" href="/fixed-deposit-rate.html" title="Fixed Deposit" aria-label="Fixed Deposit">Fixed Deposit</a></li><li class="text-sm ml-6 pt-1 pb-1"><a class="inline-flex hover:underline no-underline text-bbBlue" href="/recurring-deposit-rates.html" title="Recurring Deposit" aria-label="Recurring Deposit">Recurring Deposit</a></li><li class="text-sm ml-6 pt-1 pb-1"><a class="inline-flex hover:underline no-underline text-bbBlue" href="/savings-account.html" title="Savings Account" aria-label="Savings Account">Savings Account</a></li><li class="text-sm ml-6 pt-1 pb-1"><a class="inline-flex hover:underline no-underline text-bbBlue" href="/saving-schemes.html" title="Saving Schemes" aria-label="Saving Schemes">Saving Schemes</a></li><li class="text-sm ml-6 pt-1 pb-1"><a class="inline-flex hover:underline no-underline text-bbBlue" href="/gold-rate-india.html" title="Gold Rate" aria-label="Gold Rate">Gold Rate</a></li><li class="text-sm ml-6 pt-1 pb-1"><a class="inline-flex hover:underline no-underline text-bbBlue" href="/silver-rate-india.html" title="Silver Rate" aria-label="Silver Rate">Silver Rate</a></li><li class="text-sm ml-6 pt-1 pb-1"><a class="inline-flex hover:underline no-underline text-bbBlue" href="/mutual-fund.html" title="Mutual Funds" aria-label="Mutual Funds">Mutual Funds</a></li></ul></div></details></div><span><a href="/credit-score.html" class="inline-flex items-center justify-center whitespace-nowrap rounded-md text-sm ring-offset-white transition-colors focus-visible:outline-none focus-visible:ring-slate-950 focus-visible:ring-offset-2 disabled:pointer-events-none disabled:opacity-50 dark:ring-offset-slate-950 dark:focus-visible:ring-slate-300 dark:bg-slate-50 dark:text-slate-900 dark:hover:bg-slate-50/90 px-4 minW-auto bg-inherit text-inherit hover:bg-inherit no-underline h-auto text-wrap font-medium focus-visible:ring-0 w-full py-4"><svg xmlns="http://www.w3.org/2000/svg" width="24" height="24" viewBox="0 0 24 24" fill="none" stroke="currentColor" stroke-width="2" stroke-linecap="round" stroke-linejoin="round" class="lucide lucide-wallet-cards mr-2 h-full"><rect width="18" height="18" x="3" y="3" rx="2"></rect><path d="M3 9a2 2 0 0 1 2-2h14a2 2 0 0 1 2 2"></path><path d="M3 11h3c.8 0 1.6.3 2.1.9l1.1.9c1.6 1.6 4.1 1.6 5.7 0l1.1-.9c.5-.5 1.3-.9 2.1-.9H21"></path></svg><span class="flex-auto "><strong><p class="text-sm ">Credit Score</p></strong></span><img src="https://static.bankbazaar.com/images/common/bbicons-menu-free-badge.webp" alt="FREE" title="FREE" width="40" height="20" style="max-width:100%;display:inline"/></a></span><div class="border bg-transparent hover:bg-transparent text-sm"><details name="accordion" class="px-4 py-4"><summary class="cursor-pointer block relative"><strong><svg xmlns="http://www.w3.org/2000/svg" width="24" height="24" viewBox="0 0 24 24" fill="none" stroke="currentColor" stroke-width="2" stroke-linecap="round" stroke-linejoin="round" class="lucide lucide-file-text mr-2 h-full"><path d="M15 2H6a2 2 0 0 0-2 2v16a2 2 0 0 0 2 2h12a2 2 0 0 0 2-2V7Z"></path><path d="M14 2v4a2 2 0 0 0 2 2h4"></path><path d="M10 9H8"></path><path d="M16 13H8"></path><path d="M16 17H8"></path></svg>Govt. Utility Documents <span class="accordion-arrow absolute right-2.5"><svg xmlns="http://www.w3.org/2000/svg" width="24" height="24" viewBox="0 0 24 24" fill="none" stroke="currentColor" stroke-width="2" stroke-linecap="round" stroke-linejoin="round" class="lucide lucide-chevron-down"><path d="m6 9 6 6 6-6"></path></svg></span></strong></summary><div class="py-2.5"><ul class="list-none "><li class="text-sm ml-6 pt-1 pb-1"><a class="inline-flex hover:underline no-underline text-bbBlue" href="/pan-card.html" title="Pan Card" aria-label="Pan Card">Pan Card</a></li><li class="text-sm ml-6 pt-1 pb-1"><a class="inline-flex hover:underline no-underline text-bbBlue" href="/aadhar-card.html" title="Aadhaar Card" aria-label="Aadhaar Card">Aadhaar Card</a></li><li class="text-sm ml-6 pt-1 pb-1"><a class="inline-flex hover:underline no-underline text-bbBlue" href="/voter-id.html" title="Voter ID" aria-label="Voter ID">Voter ID</a></li><li class="text-sm ml-6 pt-1 pb-1"><a class="inline-flex hover:underline no-underline text-bbBlue" href="/electricity-bill.html" title="Electricity Bill" aria-label="Electricity Bill">Electricity Bill</a></li><li class="text-sm ml-6 pt-1 pb-1"><a class="inline-flex hover:underline no-underline text-bbBlue" href="/driving-licence.html" title="Driving Licence" aria-label="Driving Licence">Driving Licence</a></li><li class="text-sm ml-6 pt-1 pb-1"><a class="inline-flex hover:underline no-underline text-bbBlue" href="/passport.html" title="Passport" aria-label="Passport">Passport</a></li><li class="text-sm ml-6 pt-1 pb-1"><a class="inline-flex hover:underline no-underline text-bbBlue" href="/visa.html" title="Visa" aria-label="Visa">Visa</a></li><li class="text-sm ml-6 pt-1 pb-1"><a class="inline-flex hover:underline no-underline text-bbBlue" href="/gas-connection.html" title="Gas Connection" aria-label="Gas Connection">Gas Connection</a></li><li class="text-sm ml-6 pt-1 pb-1"><a class="inline-flex hover:underline no-underline text-bbBlue" href="/ration-card.html" title="Ration Card" aria-label="Ration Card">Ration Card</a></li></ul></div></details></div><span><a href="/getapp.html" class="inline-flex items-center justify-center whitespace-nowrap rounded-md text-sm ring-offset-white transition-colors focus-visible:outline-none focus-visible:ring-slate-950 focus-visible:ring-offset-2 disabled:pointer-events-none disabled:opacity-50 dark:ring-offset-slate-950 dark:focus-visible:ring-slate-300 dark:bg-slate-50 dark:text-slate-900 dark:hover:bg-slate-50/90 px-4 minW-auto bg-inherit text-inherit hover:bg-inherit no-underline h-auto text-wrap font-medium focus-visible:ring-0 w-full py-4"><span class="mr-2"><img src="https://static.bankbazaar.com/images/common/bbicons-menu-download-app.webp" alt="Download App" title="Download App" width="25" height="28" style="max-width:100%;display:inline"/></span><span class="flex-auto "><strong><p class="text-sm ">Download Mobile App</p></strong></span><img src="https://static.bankbazaar.com/images/common/bbicons-menu-android-star-badge.webp" alt="Badge" title="Badge" width="12" height="20" style="max-width:100%;display:inline"/></a></span><div class="border bg-transparent hover:bg-transparent text-sm"><details name="accordion" class="px-4 py-4"><summary class="cursor-pointer block relative"><strong><svg xmlns="http://www.w3.org/2000/svg" width="24" height="24" viewBox="0 0 24 24" fill="none" stroke="currentColor" stroke-width="2" stroke-linecap="round" stroke-linejoin="round" class="lucide lucide-umbrella mr-2 h-full"><path d="M22 12a10.06 10.06 1 0 0-20 0Z"></path><path d="M12 12v8a2 2 0 0 0 4 0"></path><path d="M12 2v1"></path></svg>Insurance <span class="accordion-arrow absolute right-2.5"><svg xmlns="http://www.w3.org/2000/svg" width="24" height="24" viewBox="0 0 24 24" fill="none" stroke="currentColor" stroke-width="2" stroke-linecap="round" stroke-linejoin="round" class="lucide lucide-chevron-down"><path d="m6 9 6 6 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class="list-none "><li class="text-sm pt-1 pb-1"><a class="inline-flex hover:underline no-underline text-bbBlue" href="/saving-schemes/epf.html" title="Employee Provident Fund" target="_blank" aria-label="Employee Provident Fund">EPF</a></li><li class="text-sm pt-1 pb-1"><a class="inline-flex hover:underline no-underline text-bbBlue" href="/saving-schemes/how-to-check-your-epf-balance-online.html" title="Employee Provident Fund Balance" target="_blank" aria-label="Employee Provident Fund Balance">EPF Balance</a></li><li class="text-sm pt-1 pb-1"><a class="inline-flex hover:underline no-underline text-bbBlue" href="/saving-schemes/pf-withdrawal-rules.html" title="Provident Fund Withdrawal Rules" target="_blank" aria-label="Provident Fund Withdrawal Rules">PF Withdrawal Rules</a></li><li class="text-sm pt-1 pb-1"><a class="inline-flex hover:underline no-underline text-bbBlue" href="/saving-schemes/epf-e-passbook.html" title="Employee Provident Fund Passbook" target="_blank" aria-label="Employee Provident Fund Passbook">EPF Passbook</a></li><li class="text-sm pt-1 pb-1"><a class="inline-flex hover:underline no-underline text-bbBlue" href="/saving-schemes/how-to-check-pf-status-online.html" title="Provident Fund Status" target="_blank" aria-label="Provident Fund Status">PF Status</a></li><li class="text-sm pt-1 pb-1"><a class="inline-flex hover:underline no-underline text-bbBlue" href="/saving-schemes/all-about-epf-claim-status.html" title="PF Claim Status" target="_blank" aria-label="PF Claim Status">EPF Claim Status</a></li><li class="text-sm pt-1 pb-1"><a class="inline-flex hover:underline no-underline text-bbBlue" href="/saving-schemes/uan.html" title="Universal Account Number" target="_blank" aria-label="Universal Account Number">UAN</a></li><li class="text-sm pt-1 pb-1"><a class="inline-flex hover:underline no-underline text-bbBlue" href="/saving-schemes/know-about-epfo-universal-account-number.html" title="Universal Account Number Registration" target="_blank" aria-label="Universal Account Number Registration">UAN Registration</a></li><li class="text-sm pt-1 pb-1"><a class="inline-flex hover:underline no-underline text-bbBlue" href="/saving-schemes/how-to-access-uan-account-after-changing-mobile-number.html" title="Universal Account Number Login" target="_blank" aria-label="Universal Account Number Login">UAN Login</a></li><li class="text-sm pt-1 pb-1"><a class="inline-flex hover:underline no-underline text-bbBlue" href="/saving-schemes/how-to-login-to-epfo-member-portal.html" title="Employee Provident Fund Organization Login" target="_blank" aria-label="Employee Provident Fund Organization Login">EPFO Login</a></li><li class="text-sm pt-1 pb-1"><a class="inline-flex hover:underline no-underline text-bbBlue" href="/saving-schemes/how-to-check-epf-balance-sms.html" title="PF Balance Number" target="_blank" aria-label="PF Balance Number">PF Balance Number</a></li><li class="text-sm pt-1 pb-1"><a class="inline-flex hover:underline no-underline text-bbBlue" href="/saving-schemes/ppf.html" title="Public Provident Fund" target="_blank" aria-label="Public Provident Fund">PPF</a></li><li class="text-sm pt-1 pb-1"><a class="inline-flex hover:underline no-underline text-bbBlue" href="/saving-schemes/nps.html" title="National Pension Scheme" target="_blank" aria-label="National Pension Scheme">NPS</a></li><li class="text-sm pt-1 pb-1"><a class="inline-flex hover:underline no-underline text-bbBlue" href="/saving-schemes/nps-calculator.html" title="National Pension Scheme Calculator" target="_blank" aria-label="National Pension Scheme Calculator">NPS Calculator</a></li><li class="text-sm pt-1 pb-1"><a class="inline-flex hover:underline no-underline text-bbBlue" href="/saving-schemes/sukanya-samriddhi-yojana-account.html" title="Sukanya Samriddhi Yojana Account" target="_blank" aria-label="Sukanya Samriddhi Yojana Account">Sukanya Samriddhi Yojana Account</a></li><li class="text-sm pt-1 pb-1"><a class="inline-flex hover:underline no-underline text-bbBlue" href="/saving-schemes/sukanya-samriddhi-account-calculator.html" title="Sukanya Samriddhi Calculator" target="_blank" aria-label="Sukanya Samriddhi Calculator">Sukanya Samriddhi Calculator</a></li><li class="text-sm pt-1 pb-1"><a class="inline-flex hover:underline no-underline text-bbBlue" href="/saving-schemes/atal-pension-yojana.html" title="Atal Pension Yojana" target="_blank" aria-label="Atal Pension Yojana">Atal Pension Yojana</a></li><li class="text-sm pt-1 pb-1"><a class="inline-flex hover:underline no-underline text-bbBlue" href="/saving-schemes/pradhan-mantri-jan-dhan-yojana.html" title="Pradhan Mantri Jan Dhan Yojana" target="_blank" aria-label="Pradhan Mantri Jan Dhan Yojana">PMJDY</a></li><li class="text-sm pt-1 pb-1"><a class="inline-flex hover:underline no-underline text-bbBlue" href="/saving-schemes/zero-balance-account-through-pm-jan-dhan-yojana.html" title="Zero Balance Account through PM Jan Dhan Yojana" target="_blank" aria-label="Zero Balance Account through PM Jan Dhan Yojana">Zero Balance Account through PMJDY</a></li><li class="text-sm pt-1 pb-1"><a class="inline-flex hover:underline no-underline text-bbBlue" href="/saving-schemes/pradhan-mantri-vaya-vandana-yojana.html" title="Pradhan Mantri Vaya Vandana Yojana" target="_blank" aria-label="Pradhan Mantri Vaya Vandana Yojana">PMVVY</a></li><li class="text-sm pt-1 pb-1"><a class="inline-flex hover:underline no-underline text-bbBlue" href="/saving-schemes/vpf.html" title="Voluntary Provident Fund" target="_blank" aria-label="Voluntary Provident Fund">VPF</a></li><li class="text-sm pt-1 pb-1"><a class="inline-flex hover:underline no-underline text-bbBlue" href="/saving-schemes/kisan-vikas-patra.html" title="Kisan Vikas Patra" target="_blank" aria-label="Kisan Vikas Patra">Kisan Vikas Patra</a></li><li class="text-sm pt-1 pb-1"><a class="inline-flex hover:underline no-underline text-bbBlue" href="/saving-schemes/senior-citizen-saving-scheme.html" title="Senior Citizen Savings Scheme" target="_blank" aria-label="Senior Citizen Savings Scheme">SCSS</a></li><li class="text-sm pt-1 pb-1"><a class="inline-flex hover:underline no-underline text-bbBlue" href="/saving-schemes/nsc.html" title="National Savings Certificate" target="_blank" aria-label="National Savings Certificate">NSC</a></li></ul></div></div><div data-inline-ad-position="LEFT_NAV"></div></aside></div><div class=" lg:col-span-10 md:col-span-10 col-span-12"><div class="flex flex-col gap-2.5 px-1"><div class="items-center flex gap-2.5"><h1 class="text-xl font-bold ">Saving Schemes in India - 2024</h1></div><div class="rounded-lg border border-slate-200 text-slate-950 shadow-sm dark:border-slate-800 dark:bg-slate-950 dark:text-slate-50 relative bg-primary-light"><div class="p-2.5"><div class="pr-md font-large" style="max-height:500px;overflow-y:auto"><h2 class="text-lg font-bold pt-5">What is Saving Schemes?</h2><p class="text-base "><strong>Saving schemes </strong>in India are government-backed financial plans designed to encourage citizens to save and earn returns at attractive interest rates. Options like the Public Provident Fund (PPF), National Savings Certificate (NSC), and Senior Citizens Savings Scheme (SCSS) offer tax deductions and benefits under the Income Tax Act, 1961. These schemes cater to various financial goals, such as retirement, education, and emergency funds, and are considered safe due to government backing.</p></div></div></div><div><div class="mb-xl"><span style="background-color:#ffff009c" class="mb-xl"></span></div><div class="flex flex-col gap-1"><div class="text-center mt-4 mb-4"><a href="https://www.bankbazaar.com/credit-score.html?variant=slide&WT.mc_id=CROSS_SELL_IL_SS_BUTTON_17475&utm_source=bb&utm_medium=seo&utm_campaign=CROSS_SELL_IL_SS_BUTTON_17475" class="inline-flex items-center justify-center whitespace-nowrap rounded-md text-sm ring-offset-white transition-colors focus-visible:outline-none focus-visible:ring-slate-950 focus-visible:ring-offset-2 disabled:pointer-events-none disabled:opacity-50 dark:ring-offset-slate-950 dark:focus-visible:ring-slate-300 dark:bg-slate-50 dark:text-slate-900 dark:hover:bg-slate-50/90 px-4 py-2 minW-auto no-underline h-auto text-wrap font-medium focus-visible:ring-0 bg-destructive text-destructive-foreground hover:bg-destructive-300" title="Check FREE Credit Score">Check FREE Credit Score</a></div><p class="text-base ">Here are more details about the various savings scheme options available in India.</p><h2 class="text-lg font-bold pt-5">List of Saving Schemes In India 2024</h2><p class="text-base ">The following table highlights the details of savings schemes:</p><div class="relative w-full overflow-auto"><table class="w-full caption-bottom text-sm border"><thead class="[&_tr]:border-b font-bold"><tr class="border-b transition-colors data-[state=selected]:bg-slate-100 dark:hover:bg-slate-800/50 dark:data-[state=selected]:bg-slate-800 hover:bg-inherit"><td class="align-middle [&:has([role=checkbox])]:pr-0 border-l bg-secondary hover:bg-secondary text-white p-2" colSpan="1"><p class="text-base ">Savings Scheme </p></td><td class="align-middle [&:has([role=checkbox])]:pr-0 border-l bg-secondary hover:bg-secondary text-white p-2" colSpan="1"><p class="text-base ">Interest Rate </p></td><td class="align-middle [&:has([role=checkbox])]:pr-0 border-l bg-secondary hover:bg-secondary text-white p-2" colSpan="1"><p class="text-base ">Contribution Amount </p></td><td class="align-middle [&:has([role=checkbox])]:pr-0 border-l bg-secondary hover:bg-secondary text-white p-2" colSpan="1"><p class="text-base ">Duration </p></td><td class="align-middle [&:has([role=checkbox])]:pr-0 border-l bg-secondary hover:bg-secondary text-white p-2" colSpan="1"><p class="text-base ">Tax Deduction on Principal </p></td><td class="align-middle [&:has([role=checkbox])]:pr-0 border-l bg-secondary hover:bg-secondary text-white p-2" colSpan="1"><p class="text-base ">Interest Taxable </p></td><td class="align-middle [&:has([role=checkbox])]:pr-0 border-l bg-secondary hover:bg-secondary text-white p-2" colSpan="1"><p class="text-base ">Taxability of Returns </p></td></tr></thead><tbody class="[&_tr:last-child]:border-0"><tr class="border-b transition-colors data-[state=selected]:bg-slate-100 dark:hover:bg-slate-800/50 dark:data-[state=selected]:bg-slate-800 hover:bg-inherit even:bg-gray-100 hover:even:bg-gray-100"><td class="align-middle [&:has([role=checkbox])]:pr-0 border-l p-2" colSpan="1" rowSpan="1"><p class="text-base "><a href="https://www.bankbazaar.com/saving-schemes/post-office-savings-account.html" target="_blank" rel="noreferrer noopener">Post Office Savings Account </a> </p></td><td class="align-middle [&:has([role=checkbox])]:pr-0 border-l p-2" colSpan="1" rowSpan="1"><p class="text-base ">4.0% </p></td><td class="align-middle [&:has([role=checkbox])]:pr-0 border-l p-2" colSpan="1" rowSpan="1"><p class="text-base ">Minimum: Rs.500Maximum: No Limit </p></td><td class="align-middle [&:has([role=checkbox])]:pr-0 border-l p-2" colSpan="1" rowSpan="1"><p class="text-base ">No limit </p></td><td class="align-middle [&:has([role=checkbox])]:pr-0 border-l p-2" colSpan="1" rowSpan="1"><p class="text-base ">No </p></td><td class="align-middle [&:has([role=checkbox])]:pr-0 border-l p-2" colSpan="1" rowSpan="1"><p class="text-base ">Yes </p></td><td class="align-middle [&:has([role=checkbox])]:pr-0 border-l p-2" colSpan="1" rowSpan="1"><p class="text-base ">Interest up to Rs.10,000 in a financial year is exempt </p></td></tr><tr class="border-b transition-colors data-[state=selected]:bg-slate-100 dark:hover:bg-slate-800/50 dark:data-[state=selected]:bg-slate-800 hover:bg-inherit even:bg-gray-100 hover:even:bg-gray-100"><td class="align-middle [&:has([role=checkbox])]:pr-0 border-l p-2" colSpan="1" rowSpan="1"><p class="text-base ">Post Office Monthly Income Scheme </p></td><td class="align-middle [&:has([role=checkbox])]:pr-0 border-l p-2" colSpan="1" rowSpan="1"><p class="text-base ">7.4% </p></td><td class="align-middle [&:has([role=checkbox])]:pr-0 border-l p-2" colSpan="1" rowSpan="1"><p class="text-base ">Minimum: Rs.1,000Maximum: Rs.9 lakh </p></td><td class="align-middle [&:has([role=checkbox])]:pr-0 border-l p-2" colSpan="1" rowSpan="1"><p class="text-base ">5 years </p></td><td class="align-middle [&:has([role=checkbox])]:pr-0 border-l p-2" colSpan="1" rowSpan="1"><p class="text-base ">No </p></td><td class="align-middle [&:has([role=checkbox])]:pr-0 border-l p-2" colSpan="1" rowSpan="1"><p class="text-base ">Yes </p></td><td class="align-middle [&:has([role=checkbox])]:pr-0 border-l p-2" colSpan="1" rowSpan="1"><p class="text-base ">Taxed as per income tax slab rates </p></td></tr><tr class="border-b transition-colors data-[state=selected]:bg-slate-100 dark:hover:bg-slate-800/50 dark:data-[state=selected]:bg-slate-800 hover:bg-inherit even:bg-gray-100 hover:even:bg-gray-100"><td class="align-middle [&:has([role=checkbox])]:pr-0 border-l p-2" colSpan="1" rowSpan="1"><p class="text-base ">Post Office Recurring Deposit </p></td><td class="align-middle [&:has([role=checkbox])]:pr-0 border-l p-2" colSpan="1" rowSpan="1"><p class="text-base ">6.7% </p></td><td class="align-middle [&:has([role=checkbox])]:pr-0 border-l p-2" colSpan="1" rowSpan="1"><p class="text-base ">Minimum: Rs.100Maximum: No limit </p></td><td class="align-middle [&:has([role=checkbox])]:pr-0 border-l p-2" colSpan="1" rowSpan="1"><p class="text-base ">5 years </p></td><td class="align-middle [&:has([role=checkbox])]:pr-0 border-l p-2" colSpan="1" rowSpan="1"><p class="text-base ">No </p></td><td class="align-middle [&:has([role=checkbox])]:pr-0 border-l p-2" colSpan="1" rowSpan="1"><p class="text-base ">Yes </p></td><td class="align-middle [&:has([role=checkbox])]:pr-0 border-l p-2" colSpan="1" rowSpan="1"><p class="text-base ">TDS of 10% if interest exceeds Rs. 40,000 (Rs. 50,000 for senior citizens) </p></td></tr><tr class="border-b transition-colors data-[state=selected]:bg-slate-100 dark:hover:bg-slate-800/50 dark:data-[state=selected]:bg-slate-800 hover:bg-inherit even:bg-gray-100 hover:even:bg-gray-100"><td class="align-middle [&:has([role=checkbox])]:pr-0 border-l p-2" colSpan="1" rowSpan="1"><p class="text-base ">Post Office Time Deposit (One Year) </p></td><td class="align-middle [&:has([role=checkbox])]:pr-0 border-l p-2" colSpan="1" rowSpan="1"><p class="text-base ">6.9% </p></td><td class="align-middle [&:has([role=checkbox])]:pr-0 border-l p-2" colSpan="1" rowSpan="1"><p class="text-base ">Minimum: Rs.1000Maximum: No limit </p></td><td class="align-middle [&:has([role=checkbox])]:pr-0 border-l p-2" colSpan="1" rowSpan="1"><p class="text-base ">1 year </p></td><td class="align-middle [&:has([role=checkbox])]:pr-0 border-l p-2" colSpan="1" rowSpan="1"><p class="text-base ">No </p></td><td class="align-middle [&:has([role=checkbox])]:pr-0 border-l p-2" colSpan="1" rowSpan="1"><p class="text-base ">Yes </p></td><td class="align-middle [&:has([role=checkbox])]:pr-0 border-l p-2" colSpan="1" rowSpan="1"><p class="text-base ">Interest added to total annual income and taxed as per income tax slab rates </p></td></tr><tr class="border-b transition-colors data-[state=selected]:bg-slate-100 dark:hover:bg-slate-800/50 dark:data-[state=selected]:bg-slate-800 hover:bg-inherit even:bg-gray-100 hover:even:bg-gray-100"><td class="align-middle [&:has([role=checkbox])]:pr-0 border-l p-2" colSpan="1" rowSpan="1"><p class="text-base ">Post Office Time Deposit (Two Year) </p></td><td class="align-middle [&:has([role=checkbox])]:pr-0 border-l p-2" colSpan="1" rowSpan="1"><p class="text-base ">7.0% </p></td><td class="align-middle [&:has([role=checkbox])]:pr-0 border-l p-2" colSpan="1" rowSpan="1"><p class="text-base ">Minimum: Rs.1000Maximum: No limit </p></td><td class="align-middle [&:has([role=checkbox])]:pr-0 border-l p-2" colSpan="1" rowSpan="1"><p class="text-base ">2 years </p></td><td class="align-middle [&:has([role=checkbox])]:pr-0 border-l p-2" colSpan="1" rowSpan="1"><p class="text-base ">No </p></td><td class="align-middle [&:has([role=checkbox])]:pr-0 border-l p-2" colSpan="1" rowSpan="1"><p class="text-base ">Yes </p></td><td class="align-middle [&:has([role=checkbox])]:pr-0 border-l p-2" colSpan="1" rowSpan="1"><p class="text-base ">Interest added to total annual income and taxed as per income tax slab rates </p></td></tr><tr class="border-b transition-colors data-[state=selected]:bg-slate-100 dark:hover:bg-slate-800/50 dark:data-[state=selected]:bg-slate-800 hover:bg-inherit even:bg-gray-100 hover:even:bg-gray-100"><td class="align-middle [&:has([role=checkbox])]:pr-0 border-l p-2" colSpan="1" rowSpan="1"><p class="text-base ">Post Office Time Deposit (Five Year) </p></td><td class="align-middle [&:has([role=checkbox])]:pr-0 border-l p-2" colSpan="1" rowSpan="1"><p class="text-base ">7.5% </p></td><td class="align-middle [&:has([role=checkbox])]:pr-0 border-l p-2" colSpan="1" rowSpan="1"><p class="text-base ">Minimum: Rs.1000Maximum: No limit </p></td><td class="align-middle [&:has([role=checkbox])]:pr-0 border-l p-2" colSpan="1" rowSpan="1"><p class="text-base ">5 years </p></td><td class="align-middle [&:has([role=checkbox])]:pr-0 border-l p-2" colSpan="1" rowSpan="1"><p class="text-base ">Yes </p></td><td class="align-middle [&:has([role=checkbox])]:pr-0 border-l p-2" colSpan="1" rowSpan="1"><p class="text-base ">Yes </p></td><td class="align-middle [&:has([role=checkbox])]:pr-0 border-l p-2" colSpan="1" rowSpan="1"><p class="text-base ">Tax benefits under Section 80C </p></td></tr><tr class="border-b transition-colors data-[state=selected]:bg-slate-100 dark:hover:bg-slate-800/50 dark:data-[state=selected]:bg-slate-800 hover:bg-inherit even:bg-gray-100 hover:even:bg-gray-100"><td class="align-middle [&:has([role=checkbox])]:pr-0 border-l p-2" colSpan="1" rowSpan="1"><p class="text-base "><a href="https://www.bankbazaar.com/saving-schemes/kisan-vikas-patra.html" target="_blank">Kisan Vikas Patra </a>(KVP) </p></td><td class="align-middle [&:has([role=checkbox])]:pr-0 border-l p-2" colSpan="1" rowSpan="1"><p class="text-base ">7.5% </p></td><td class="align-middle [&:has([role=checkbox])]:pr-0 border-l p-2" colSpan="1" rowSpan="1"><p class="text-base ">Minimum: Rs.1000Maximum: No limit </p></td><td class="align-middle [&:has([role=checkbox])]:pr-0 border-l p-2" colSpan="1" rowSpan="1"><p class="text-base ">9 years & 5 months </p></td><td class="align-middle [&:has([role=checkbox])]:pr-0 border-l p-2" colSpan="1" rowSpan="1"><p class="text-base ">No </p></td><td class="align-middle [&:has([role=checkbox])]:pr-0 border-l p-2" colSpan="1" rowSpan="1"><p class="text-base ">Yes </p></td><td class="align-middle [&:has([role=checkbox])]:pr-0 border-l p-2" colSpan="1" rowSpan="1"><p class="text-base ">Returns are taxable </p></td></tr><tr class="border-b transition-colors data-[state=selected]:bg-slate-100 dark:hover:bg-slate-800/50 dark:data-[state=selected]:bg-slate-800 hover:bg-inherit even:bg-gray-100 hover:even:bg-gray-100"><td class="align-middle [&:has([role=checkbox])]:pr-0 border-l p-2" colSpan="1" rowSpan="1"><p class="text-base "><a href="https://www.bankbazaar.com/saving-schemes/ppf.html" target="_blank" rel="noreferrer noopener">Public Provident Fund</a> (PPF) </p></td><td class="align-middle [&:has([role=checkbox])]:pr-0 border-l p-2" colSpan="1" rowSpan="1"><p class="text-base ">7.1% </p></td><td class="align-middle [&:has([role=checkbox])]:pr-0 border-l p-2" colSpan="1" rowSpan="1"><p class="text-base ">Minimum: Rs.500Maximum: Rs.1.5 lakh p.a. </p></td><td class="align-middle [&:has([role=checkbox])]:pr-0 border-l p-2" colSpan="1" rowSpan="1"><p class="text-base ">15 years </p></td><td class="align-middle [&:has([role=checkbox])]:pr-0 border-l p-2" colSpan="1" rowSpan="1"><p class="text-base ">Yes </p></td><td class="align-middle [&:has([role=checkbox])]:pr-0 border-l p-2" colSpan="1" rowSpan="1"><p class="text-base ">No </p></td><td class="align-middle [&:has([role=checkbox])]:pr-0 border-l p-2" colSpan="1" rowSpan="1"><p class="text-base ">Exempt from tax </p></td></tr><tr class="border-b transition-colors data-[state=selected]:bg-slate-100 dark:hover:bg-slate-800/50 dark:data-[state=selected]:bg-slate-800 hover:bg-inherit even:bg-gray-100 hover:even:bg-gray-100"><td class="align-middle [&:has([role=checkbox])]:pr-0 border-l p-2" colSpan="1" rowSpan="1"><p class="text-base "><a href="https://www.bankbazaar.com/saving-schemes/sukanya-samriddhi-yojana-account.html" target="_blank" rel="noreferrer noopener">Sukanya Samriddhi Yojana </a> </p></td><td class="align-middle [&:has([role=checkbox])]:pr-0 border-l p-2" colSpan="1" rowSpan="1"><p class="text-base ">8.2% </p></td><td class="align-middle [&:has([role=checkbox])]:pr-0 border-l p-2" colSpan="1" rowSpan="1"><p class="text-base ">Minimum: Rs.250Maximum: Rs.1.5 lakh p.a. </p></td><td class="align-middle [&:has([role=checkbox])]:pr-0 border-l p-2" colSpan="1" rowSpan="1"><p class="text-base ">15 years contribution periodMaturity period at 18 or 21 years of girl child </p></td><td class="align-middle [&:has([role=checkbox])]:pr-0 border-l p-2" colSpan="1" rowSpan="1"><p class="text-base ">Yes </p></td><td class="align-middle [&:has([role=checkbox])]:pr-0 border-l p-2" colSpan="1" rowSpan="1"><p class="text-base ">No </p></td><td class="align-middle [&:has([role=checkbox])]:pr-0 border-l p-2" colSpan="1" rowSpan="1"><p class="text-base ">Interest is exempt from tax </p></td></tr><tr class="border-b transition-colors data-[state=selected]:bg-slate-100 dark:hover:bg-slate-800/50 dark:data-[state=selected]:bg-slate-800 hover:bg-inherit even:bg-gray-100 hover:even:bg-gray-100"><td class="align-middle [&:has([role=checkbox])]:pr-0 border-l p-2" colSpan="1" rowSpan="1"><p class="text-base "><a href="https://www.bankbazaar.com/saving-schemes/nsc.html" target="_blank" rel="noreferrer noopener">National Savings Certificate </a> </p></td><td class="align-middle [&:has([role=checkbox])]:pr-0 border-l p-2" colSpan="1" rowSpan="1"><p class="text-base ">7.7% </p></td><td class="align-middle [&:has([role=checkbox])]:pr-0 border-l p-2" colSpan="1" rowSpan="1"><p class="text-base ">Minimum: Rs.1,000Maximum: No Limit </p></td><td class="align-middle [&:has([role=checkbox])]:pr-0 border-l p-2" colSpan="1" rowSpan="1"><p class="text-base ">5 years </p></td><td class="align-middle [&:has([role=checkbox])]:pr-0 border-l p-2" colSpan="1" rowSpan="1"><p class="text-base ">Yes </p></td><td class="align-middle [&:has([role=checkbox])]:pr-0 border-l p-2" colSpan="1" rowSpan="1"><p class="text-base ">No </p></td><td class="align-middle [&:has([role=checkbox])]:pr-0 border-l p-2" colSpan="1" rowSpan="1"><p class="text-base ">Up to Rs.1.5 lakh under Section 80C </p></td></tr><tr class="border-b transition-colors data-[state=selected]:bg-slate-100 dark:hover:bg-slate-800/50 dark:data-[state=selected]:bg-slate-800 hover:bg-inherit even:bg-gray-100 hover:even:bg-gray-100"><td class="align-middle [&:has([role=checkbox])]:pr-0 border-l p-2" colSpan="1" rowSpan="1"><p class="text-base "><a href="https://www.bankbazaar.com/saving-schemes/nps.html" target="_blank" rel="noreferrer noopener">National Pension Scheme </a> </p></td><td class="align-middle [&:has([role=checkbox])]:pr-0 border-l p-2" colSpan="1" rowSpan="1"><p class="text-base ">Market Linked </p></td><td class="align-middle [&:has([role=checkbox])]:pr-0 border-l p-2" colSpan="1" rowSpan="1"><p class="text-base ">Govt employees: 14%Others: 10% </p></td><td class="align-middle [&:has([role=checkbox])]:pr-0 border-l p-2" colSpan="1" rowSpan="1"><p class="text-base ">Up to 60 years of age but can be extended up to 70 </p></td><td class="align-middle [&:has([role=checkbox])]:pr-0 border-l p-2" colSpan="1" rowSpan="1"><p class="text-base ">Yes </p></td><td class="align-middle [&:has([role=checkbox])]:pr-0 border-l p-2" colSpan="1" rowSpan="1"><p class="text-base ">Yes </p></td><td class="align-middle [&:has([role=checkbox])]:pr-0 border-l p-2" colSpan="1" rowSpan="1"><p class="text-base ">Up to Rs.1.5 lakh tax deduction for employee & employer's contributionAdditional deduction of up to Rs.50,000 for self-contribution </p></td></tr><tr class="border-b transition-colors data-[state=selected]:bg-slate-100 dark:hover:bg-slate-800/50 dark:data-[state=selected]:bg-slate-800 hover:bg-inherit even:bg-gray-100 hover:even:bg-gray-100"><td class="align-middle [&:has([role=checkbox])]:pr-0 border-l p-2" colSpan="1" rowSpan="1"><p class="text-base "><a href="https://www.bankbazaar.com/saving-schemes/nsc.html" target="_blank" rel="noreferrer noopener">National Savings Certificate </a> </p></td><td class="align-middle [&:has([role=checkbox])]:pr-0 border-l p-2" colSpan="1" rowSpan="1"><p class="text-base ">Market Linked </p></td><td class="align-middle [&:has([role=checkbox])]:pr-0 border-l p-2" colSpan="1" rowSpan="1"><p class="text-base ">Minimum: Rs.1,000Maximum: No Limit </p></td><td class="align-middle [&:has([role=checkbox])]:pr-0 border-l p-2" colSpan="1" rowSpan="1"><p class="text-base ">5 years </p></td><td class="align-middle [&:has([role=checkbox])]:pr-0 border-l p-2" colSpan="1" rowSpan="1"><p class="text-base ">Yes </p></td><td class="align-middle [&:has([role=checkbox])]:pr-0 border-l p-2" colSpan="1" rowSpan="1"><p class="text-base ">Yes </p></td><td class="align-middle [&:has([role=checkbox])]:pr-0 border-l p-2" colSpan="1" rowSpan="1"><p class="text-base ">Interest is taxed as per income tax slab rates </p></td></tr><tr class="border-b transition-colors data-[state=selected]:bg-slate-100 dark:hover:bg-slate-800/50 dark:data-[state=selected]:bg-slate-800 hover:bg-inherit even:bg-gray-100 hover:even:bg-gray-100"><td class="align-middle [&:has([role=checkbox])]:pr-0 border-l p-2" colSpan="1" rowSpan="1"><p class="text-base "><a href="https://www.bankbazaar.com/saving-schemes/senior-citizen-saving-scheme.html" target="_blank" rel="noreferrer noopener">Senior Citizens’ Saving Scheme</a> </p></td><td class="align-middle [&:has([role=checkbox])]:pr-0 border-l p-2" colSpan="1" rowSpan="1"><p class="text-base ">8.2% </p></td><td class="align-middle [&:has([role=checkbox])]:pr-0 border-l p-2" colSpan="1" rowSpan="1"><p class="text-base ">Minimum: Rs.1,000Maximum: Rs.30 lakh </p></td><td class="align-middle [&:has([role=checkbox])]:pr-0 border-l p-2" colSpan="1" rowSpan="1"><p class="text-base ">5 years </p></td><td class="align-middle [&:has([role=checkbox])]:pr-0 border-l p-2" colSpan="1" rowSpan="1"><p class="text-base ">Yes </p></td><td class="align-middle [&:has([role=checkbox])]:pr-0 border-l p-2" colSpan="1" rowSpan="1"><p class="text-base ">Yes </p></td><td class="align-middle [&:has([role=checkbox])]:pr-0 border-l p-2" colSpan="1" rowSpan="1"><p class="text-base ">Interest is taxed as per income tax slab rates with deduction of up to Rs.50,000 </p></td></tr><tr class="border-b transition-colors data-[state=selected]:bg-slate-100 dark:hover:bg-slate-800/50 dark:data-[state=selected]:bg-slate-800 hover:bg-inherit even:bg-gray-100 hover:even:bg-gray-100"><td class="align-middle [&:has([role=checkbox])]:pr-0 border-l p-2" colSpan="1" rowSpan="1"><p class="text-base ">Tax Saving FDs </p></td><td class="align-middle [&:has([role=checkbox])]:pr-0 border-l p-2" colSpan="1" rowSpan="1"><p class="text-base ">5.5% to 7.75% </p></td><td class="align-middle [&:has([role=checkbox])]:pr-0 border-l p-2" colSpan="1" rowSpan="1"><p class="text-base ">Minimum: Rs.100Maximum: Rs.1.5 lakh per financial year </p></td><td class="align-middle [&:has([role=checkbox])]:pr-0 border-l p-2" colSpan="1" rowSpan="1"><p class="text-base ">5 years </p></td><td class="align-middle [&:has([role=checkbox])]:pr-0 border-l p-2" colSpan="1" rowSpan="1"><p class="text-base ">Yes </p></td><td class="align-middle [&:has([role=checkbox])]:pr-0 border-l p-2" colSpan="1" rowSpan="1"><p class="text-base ">Yes </p></td><td class="align-middle [&:has([role=checkbox])]:pr-0 border-l p-2" colSpan="1" rowSpan="1"><p class="text-base ">Deduction of up to Rs.1.5 lakh p.a.; interest is taxable </p></td></tr></tbody></table></div></div><div><div class="flex flex-col gap-1"><h2 class="text-lg font-bold pt-5">Advantages of Savings Schemes</h2><div class="mb-2.5"><img src="https://static.bankbazaar.com/images/india/infographic/savings-scheme.webp" alt="Adv Saving Schemes" title=" Saving Schemes Advantages" width="400" height="250" loading="lazy" style="max-width:100%;display:block;float:left;margin:0 auto"/></div><p class="text-base ">The main advantages of investing in savings schemes are mentioned below:</p><ol class="list-disc list-outside ml-4 mr-4 "><li class="pt-1 pb-1"><strong>Long-term benefits:</strong> Individuals can achieve their long-term goals such as retirement plans, children's education, and children's marriage by investing in savings schemes.</li><li class="pt-1 pb-1"><strong>Various savings schemes:</strong> The number of savings scheme currently available is large. The benefits vary according to the scheme and the sector. For example, the Pradhan Mantri Jan Dhan Yojana is designed to help people who are below poverty line and the Sukanya Samriddhi Yojana helps a girl child financially.</li><li class="pt-1 pb-1"><strong>Hassle-free: </strong>The maintenance and investment towards the schemes are very simple and most of the contributions made towards the schemes can be done online.</li><li class="pt-1 pb-1"><strong>Security and safety:</strong> The contributions that are made towards the schemes are minimal on risk as well as safe and secure since the schemes are launched by the Indian Government.</li></ol><div class="text-center mt-4 mb-4"><a href="https://www.bankbazaar.com/credit-score.html?variant=slide&WT.mc_id=CROSS_SELL_IL_SS_BUTTON_17475&utm_source=bb&utm_medium=seo&utm_campaign=CROSS_SELL_IL_SS_BUTTON_17475" class="inline-flex items-center justify-center whitespace-nowrap rounded-md text-sm ring-offset-white transition-colors focus-visible:outline-none focus-visible:ring-slate-950 focus-visible:ring-offset-2 disabled:pointer-events-none disabled:opacity-50 dark:ring-offset-slate-950 dark:focus-visible:ring-slate-300 dark:bg-slate-50 dark:text-slate-900 dark:hover:bg-slate-50/90 px-4 py-2 minW-auto no-underline h-auto text-wrap font-medium focus-visible:ring-0 bg-destructive text-destructive-foreground hover:bg-destructive-300" title="Check FREE Credit Score">Check FREE Credit Score</a></div><div data-inline-ad-position="HUNGRY_FOR_MORE"></div><h2 class="text-lg font-bold pt-5">Different Types of Savings Schemes</h2><p class="text-base ">Some of the various schemes that are available are mentioned below:</p><h2 class="text-lg font-bold pt-5">Tax Saving FDs</h2><p class="text-base "><a href="/fixed-deposit/tax-saver-fd-interest-rates-comparison.html" target="_blank">Tax saving FDs </a>hold a deduction under Section 80C of the Income Tax Act for investment of up to Rs.1.5 lakh. These fixed-term investments (FDs) have a minimum lock-in period of five years and can be opened at any bank—public or private—or post office.</p><p class="text-base ">The interest from tax-saving FDs is subject to tax at your applicable slab rate. For investors seeking low risk and assured profits, it is an appropriate choice. Tax-saving FDs require a minimum investment of Rs.100.</p><p class="text-base ">Although there is no upper limit, payments up to Rs.1.5 lakh annually are the only ones eligible for a tax deduction. </p><ol class="list-disc list-outside ml-4 mr-4 "><li class="pt-1 pb-1"><strong>Interest rate: </strong>Vary from bank to bank. Presently, it is around 5.75% to 8.60%.</li><li class="pt-1 pb-1"><strong>Duration: </strong>Five years</li><li class="pt-1 pb-1"><strong>Minimum Investment:</strong> Rs.100</li><li class="pt-1 pb-1"><strong>Maximum Investment: </strong>No limit</li><li class="pt-1 pb-1"><strong>Deduction on Principal:</strong> Yes</li></ol><ol class="list-disc list-outside ml-4 mr-4 "><li class="pt-1 pb-1"><strong>Tax on Interest: </strong>Taxable</li></ol><div class="text-center mt-4 mb-4"><a href="https://www.bankbazaar.com/credit-score.html?variant=slide&WT.mc_id=CROSS_SELL_IL_SS_BUTTON_17475&utm_source=bb&utm_medium=seo&utm_campaign=CROSS_SELL_IL_SS_BUTTON_17475" class="inline-flex items-center justify-center whitespace-nowrap rounded-md text-sm ring-offset-white transition-colors focus-visible:outline-none focus-visible:ring-slate-950 focus-visible:ring-offset-2 disabled:pointer-events-none disabled:opacity-50 dark:ring-offset-slate-950 dark:focus-visible:ring-slate-300 dark:bg-slate-50 dark:text-slate-900 dark:hover:bg-slate-50/90 px-4 py-2 minW-auto no-underline h-auto text-wrap font-medium focus-visible:ring-0 bg-destructive text-destructive-foreground hover:bg-destructive-300" title="Check FREE Credit Score">Check FREE Credit Score</a></div><p class="text-base ">The following table highlights the interest rates of Tax saving Bank FDs</p><div class="relative w-full overflow-auto"><table class="w-full caption-bottom text-sm border"><thead class="[&_tr]:border-b font-bold"><tr class="border-b transition-colors data-[state=selected]:bg-slate-100 dark:hover:bg-slate-800/50 dark:data-[state=selected]:bg-slate-800 hover:bg-inherit"><td class="align-middle [&:has([role=checkbox])]:pr-0 border-l bg-secondary hover:bg-secondary text-white p-2" colSpan="1"><p class="text-base ">Banks </p></td><td class="align-middle [&:has([role=checkbox])]:pr-0 border-l bg-secondary hover:bg-secondary text-white p-2" colSpan="1"><p class="text-base ">General </p></td><td class="align-middle [&:has([role=checkbox])]:pr-0 border-l bg-secondary hover:bg-secondary text-white p-2" colSpan="1"><p class="text-base ">Senior Citizens </p></td></tr></thead><tbody class="[&_tr:last-child]:border-0"><tr class="border-b transition-colors data-[state=selected]:bg-slate-100 dark:hover:bg-slate-800/50 dark:data-[state=selected]:bg-slate-800 hover:bg-inherit even:bg-gray-100 hover:even:bg-gray-100"><td class="align-middle [&:has([role=checkbox])]:pr-0 border-l p-2" colSpan="1" rowSpan="1"><p class="text-base ">State Bank of India </p></td><td class="align-middle [&:has([role=checkbox])]:pr-0 border-l p-2" colSpan="1" rowSpan="1"><p class="text-base ">6.50% </p></td><td class="align-middle [&:has([role=checkbox])]:pr-0 border-l p-2" colSpan="1" rowSpan="1"><p class="text-base ">7.50% </p></td></tr><tr class="border-b transition-colors data-[state=selected]:bg-slate-100 dark:hover:bg-slate-800/50 dark:data-[state=selected]:bg-slate-800 hover:bg-inherit even:bg-gray-100 hover:even:bg-gray-100"><td class="align-middle [&:has([role=checkbox])]:pr-0 border-l p-2" colSpan="1" rowSpan="1"><p class="text-base ">ICICI Bank </p></td><td class="align-middle [&:has([role=checkbox])]:pr-0 border-l p-2" colSpan="1" rowSpan="1"><p class="text-base ">7.00% </p></td><td class="align-middle [&:has([role=checkbox])]:pr-0 border-l p-2" colSpan="1" rowSpan="1"><p class="text-base ">7.50% </p></td></tr><tr class="border-b transition-colors data-[state=selected]:bg-slate-100 dark:hover:bg-slate-800/50 dark:data-[state=selected]:bg-slate-800 hover:bg-inherit even:bg-gray-100 hover:even:bg-gray-100"><td class="align-middle [&:has([role=checkbox])]:pr-0 border-l p-2" colSpan="1" rowSpan="1"><p class="text-base ">HDFC Bank </p></td><td class="align-middle [&:has([role=checkbox])]:pr-0 border-l p-2" colSpan="1" rowSpan="1"><p class="text-base ">7.00% </p></td><td class="align-middle [&:has([role=checkbox])]:pr-0 border-l p-2" colSpan="1" rowSpan="1"><p class="text-base ">7.50% </p></td></tr><tr class="border-b transition-colors data-[state=selected]:bg-slate-100 dark:hover:bg-slate-800/50 dark:data-[state=selected]:bg-slate-800 hover:bg-inherit even:bg-gray-100 hover:even:bg-gray-100"><td class="align-middle [&:has([role=checkbox])]:pr-0 border-l p-2" colSpan="1" rowSpan="1"><p class="text-base ">Bank of Baroda </p></td><td class="align-middle [&:has([role=checkbox])]:pr-0 border-l p-2" colSpan="1" rowSpan="1"><p class="text-base ">6.50% </p></td><td class="align-middle [&:has([role=checkbox])]:pr-0 border-l p-2" colSpan="1" rowSpan="1"><p class="text-base ">7.15% to 7.50% </p></td></tr><tr class="border-b transition-colors data-[state=selected]:bg-slate-100 dark:hover:bg-slate-800/50 dark:data-[state=selected]:bg-slate-800 hover:bg-inherit even:bg-gray-100 hover:even:bg-gray-100"><td class="align-middle [&:has([role=checkbox])]:pr-0 border-l p-2" colSpan="1" rowSpan="1"><p class="text-base ">Kotak Mahindra Bank </p></td><td class="align-middle [&:has([role=checkbox])]:pr-0 border-l p-2" colSpan="1" rowSpan="1"><p class="text-base ">6.20% </p></td><td class="align-middle [&:has([role=checkbox])]:pr-0 border-l p-2" colSpan="1" rowSpan="1"><p class="text-base ">6.70% </p></td></tr></tbody></table></div><div class="mb-2.5"><img src="https://static.bankbazaar.com/images/india/infographic/ss.webp" alt="Saving Schemes" title="Saving Schemes" width="300" height="200" loading="lazy" style="max-width:100%;display:block;float:left;margin:0 auto"/></div><h2 class="text-lg font-bold pt-5">Unit Linked Insurance Plan (ULIP) </h2><p class="text-base ">A<a href="/life-insurance/ulip.html" target="_blank"> Unit Linked Insurance Plan</a> is basically an integrated plan that offers investment as well as life cover via a single scheme. ULIPs investment is taxable under Section 80C up to Rs.1.5 lakh per annum and the maturity proceeds of ULIP is exempted under Section 10(10)(D).</p><p class="text-base ">ULIPs specify a <a href="https://www.bankbazaar.com/insurance/life-insurance.html" target="_blank">life insurance coverage</a> which allow the investors to select ULIP funds that invest in equities or/ and debt and function which is very similar to mutual funds. However, the minimum annual investment differs from fund to fund but is mainly set at Rs.2,500. </p><ol class="list-disc list-outside ml-4 mr-4 "><li class="pt-1 pb-1"><strong>Interest Rate:</strong> Rate of return is not fixed </li><li class="pt-1 pb-1"><strong>Duration: </strong>Minimum – Five years, Maximum – 20 years </li></ol><ol class="list-disc list-outside ml-4 mr-4 "><li class="pt-1 pb-1"><strong>Minimum investment:</strong> Rs.2,500 </li><li class="pt-1 pb-1"><strong>Maximum Investment: </strong>NIL </li><li class="pt-1 pb-1"><strong>Deduction on Principal: </strong>Yes </li><li class="pt-1 pb-1"><strong>Tax on interest: </strong>Not taxable </li></ol><div class="text-center mt-4 mb-4"><a href="https://www.bankbazaar.com/credit-score.html?variant=slide&WT.mc_id=CROSS_SELL_IL_SS_BUTTON_17475&utm_source=bb&utm_medium=seo&utm_campaign=CROSS_SELL_IL_SS_BUTTON_17475" class="inline-flex items-center justify-center whitespace-nowrap rounded-md text-sm ring-offset-white transition-colors focus-visible:outline-none focus-visible:ring-slate-950 focus-visible:ring-offset-2 disabled:pointer-events-none disabled:opacity-50 dark:ring-offset-slate-950 dark:focus-visible:ring-slate-300 dark:bg-slate-50 dark:text-slate-900 dark:hover:bg-slate-50/90 px-4 py-2 minW-auto no-underline h-auto text-wrap font-medium focus-visible:ring-0 bg-destructive text-destructive-foreground hover:bg-destructive-300" title="Check FREE Credit Score">Check FREE Credit Score</a></div><div data-inline-ad-position="HUNGRY_FOR_MORE"></div><h2 class="text-lg font-bold pt-5">Equity Linked Savings Scheme (ELSS) </h2><p class="text-base "><a href="/mutual-fund/equity-linked-savings-scheme.html" target="_blank">Equity Linked Savings Scheme</a>, also known as ELSS is a kind of mutual fund which comes with a lock in period of three years. In fact, this is the only scheme which has a shortest lock in period as compared to the other tax savings schemes in India. The amount invested in ELSS funds are taxable under Section 80C up to Rs.1.5 lakh per annum. The return earned on ELSS funds will be taxable because long term capital gains at a rate of 10%. Dividends from ELSS funds will be taxable at 10% under the Dividend Distribution Tax. ELSS funds have a significant long-term compounding potential because they invest at least 80% of their assets in equities (stocks). The minimum annual investment in ELSS funds in Rs.100, but vary from fund to fund. </p><ol class="list-disc list-outside ml-4 mr-4 "><li class="pt-1 pb-1"><strong>Interest Rate: </strong>Interest rate is not fixed </li><li class="pt-1 pb-1"><strong>Duration: </strong>Three years </li><li class="pt-1 pb-1"><strong>Minimum Investment: </strong>Rs.100 </li><li class="pt-1 pb-1"><strong>Maximum Investment: </strong>None </li></ol><ol class="list-disc list-outside ml-4 mr-4 "><li class="pt-1 pb-1"><strong>Deduction on Principal: </strong>Yes </li><li class="pt-1 pb-1"><strong>Tax on Interest: </strong>10% tax </li></ol><div class="text-center mt-4 mb-4"><a href="https://www.bankbazaar.com/credit-score.html?variant=slide&WT.mc_id=CROSS_SELL_IL_SS_BUTTON_17475&utm_source=bb&utm_medium=seo&utm_campaign=CROSS_SELL_IL_SS_BUTTON_17475" class="inline-flex items-center justify-center whitespace-nowrap rounded-md text-sm ring-offset-white transition-colors focus-visible:outline-none focus-visible:ring-slate-950 focus-visible:ring-offset-2 disabled:pointer-events-none disabled:opacity-50 dark:ring-offset-slate-950 dark:focus-visible:ring-slate-300 dark:bg-slate-50 dark:text-slate-900 dark:hover:bg-slate-50/90 px-4 py-2 minW-auto no-underline h-auto text-wrap font-medium focus-visible:ring-0 bg-destructive text-destructive-foreground hover:bg-destructive-300" title="Check FREE Credit Score">Check FREE Credit Score</a></div><h2 class="text-lg font-bold pt-5">Public Provident Fund (PPF)</h2><p class="text-base ">The <a href="/saving-schemes/ppf.html" target="_blank">Public Provident Fund</a> (PPF) scheme is one of the most popular and safest investment options that is available in the country. Under Section 80C of the <a href="/tax/income-tax-act.html" target="_blank">Income Tax Act</a>, contributions made towards the scheme as well as the interest that is generated from the contributions are also<a href="/tax/tax-exemption.html" target="_blank"> tax exempt</a>.</p><p class="text-base ">The scheme can be opened at post offices and banks, and the duration of the scheme is 15 years. Individuals are allowed to increase the duration of the scheme by a further 5 years. The rate of interest for the FY 2023-2024 is<strong> 7.10%</strong> p.a. and the interest is compounded on a yearly basis. Individuals must make a minimum contribution of Rs.500 and can make a maximum contribution of Rs.1.5 lakh on a yearly basis towards the scheme.</p><ol class="list-disc list-outside ml-4 mr-4 "><li class="pt-1 pb-1"><strong>Interest Rate: </strong>Interest rate changes every quarter. Presently it is <strong>7.1%. </strong></li><li class="pt-1 pb-1"><strong>Duration: </strong>Minimum tenure of 15 years </li><li class="pt-1 pb-1"><strong>Minimum Investment:</strong> Rs.500 every year </li><li class="pt-1 pb-1"><strong>Maximum Investment: </strong>Rs.1.5 lakh per year </li><li class="pt-1 pb-1"><strong>Deduction on Principal: </strong>Yes </li></ol><ol class="list-disc list-outside ml-4 mr-4 "><li class="pt-1 pb-1"><strong>Tax on Interest: </strong>Not Taxable</li></ol><h2 class="text-lg font-bold pt-5">Employees' Provident Fund (EPF)</h2><p class="text-base ">The Employees' Provident Fund Organisation (<a href="https://www.epfindia.gov.in/site_en/index.php" target="_blank" rel="nofollow"><strong>EPFO</strong></a>)launched the EPF scheme with the main aim of helping employees save money for their retirement. It is mandatory for organisations with more than 20 employees to contribute towards the <a href="/saving-schemes/epf.html" target="_blank">EPF</a> scheme. The employee and employer each contribute<strong> 12%</strong> of the employee's <a href="/tax/dearness-allowance.html" target="_blank">Dearness Allowance</a> (DA) and basic salary towards the scheme.</p><p class="text-base ">Employees can withdraw funds from the scheme in case of medical emergencies, construction of a house, buying a house or land, repayment of <a href="https://www.bankbazaar.com/home-loan.html" target="_blank">home loan</a>, etc. The rate of interest of the scheme for 2023-2024 is <strong>8.25% p.a</strong>. The rate of interest is decided by the EPFO on a yearly basis.</p><div data-inline-ad-position="HUNGRY_FOR_MORE"></div><h2 class="text-lg font-bold pt-5">National Pension System (NPS)</h2><p class="text-base ">The <a href="/saving-schemes/nps.html" target="_blank">NPS</a> was launched by the Central Government with the main aim of providing individuals a regular income after their retirement. Employees can avail themselves of the benefits of the scheme by paying a small amount of premium. The interest rates offered under NPS scheme for FY 2023-2024 ranges between 4.00% to 9.00%.</p><p class="text-base ">Employees will receive a lump sum amount at the time of their retirement as well as a certain percentage will be paid back as pension on a monthly basis after their retirement.</p><ol class="list-disc list-outside ml-4 mr-4 "><li class="pt-1 pb-1"><strong>Interest Rate:</strong> Based on returns of pension funds </li><li class="pt-1 pb-1"><strong>Duration:</strong> Till 60 years of age </li></ol><ol class="list-disc list-outside ml-4 mr-4 "><li class="pt-1 pb-1"><strong>Minimum Investment: </strong>Rs.1,000 per year </li><li class="pt-1 pb-1"><strong>Maximum Investment:</strong> NIL </li><li class="pt-1 pb-1"><strong>Deduction on Principal: </strong>Yes </li><li class="pt-1 pb-1"><strong>Tax on Interest: </strong>Maturity amount is partially taxable</li></ol><div class="text-center mt-4 mb-4"><a href="https://www.bankbazaar.com/credit-score.html?variant=slide&WT.mc_id=CROSS_SELL_IL_SS_BUTTON_17475&utm_source=bb&utm_medium=seo&utm_campaign=CROSS_SELL_IL_SS_BUTTON_17475" class="inline-flex items-center justify-center whitespace-nowrap rounded-md text-sm ring-offset-white transition-colors focus-visible:outline-none focus-visible:ring-slate-950 focus-visible:ring-offset-2 disabled:pointer-events-none disabled:opacity-50 dark:ring-offset-slate-950 dark:focus-visible:ring-slate-300 dark:bg-slate-50 dark:text-slate-900 dark:hover:bg-slate-50/90 px-4 py-2 minW-auto no-underline h-auto text-wrap font-medium focus-visible:ring-0 bg-destructive text-destructive-foreground hover:bg-destructive-300" title="Check FREE Credit Score">Check FREE Credit Score</a></div><h2 class="text-lg font-bold pt-5">Sukanya Samriddhi Yojana Account (SSY)</h2><p class="text-base ">The <a href="/saving-schemes/sukanya-samriddhi-yojana-account.html" target="_blank">Sukanya Samriddhi Yojana</a> (<strong>SSY</strong>) scheme was launched by Prime Minister Narendra Modi to help secure the future of a girl child. The current rate of interest offered by the scheme is<strong> 8.2%</strong> for FY 2023-2024 and an SSY account can be opened at post offices or banks.</p><p class="text-base ">The minimum and maximum deposit that can be made in a year towards the scheme is Rs.250 and Rs.1.5 lakh, respectively. The account holder must make contributions towards the scheme for a duration of 14 years and the maturity period of the scheme is 21 years. Individuals can transfer the SSY account from banks to post offices and vice versa.</p><ol class="list-disc list-outside ml-4 mr-4 "><li class="pt-1 pb-1"><strong>Interest Rate:</strong> 8.2% </li><li class="pt-1 pb-1"><strong>Duration: </strong>21 years </li><li class="pt-1 pb-1"><strong>Minimum Investment: </strong>Rs.1,000 per annum </li></ol><ol class="list-disc list-outside ml-4 mr-4 "><li class="pt-1 pb-1"><strong>Maximum Investment: </strong>Rs.1.5 lakh per annum </li><li class="pt-1 pb-1"><strong>Deduction on Principal:</strong> Yes </li><li class="pt-1 pb-1"><strong>Tax on Interest: </strong>NIL </li></ol><h2 class="text-lg font-bold pt-5">Atal Pension Yojana (APY)</h2><p class="text-base ">The main aim of the scheme is to help individuals who are below the poverty line. The scheme also benefits people who work in the unorganised sector and require financial support from the government. Individuals pay a very low premium towards the scheme and receive a pension after their retirement. However, it is mandatory that individuals have an active <a href="https://www.bankbazaar.com/savings-account.html" target="_blank">savings account</a> in order to avail benefits from the scheme.</p><p class="text-base ">Citizens between the ages of 18 years and 40 years can apply for the <a href="/saving-schemes/atal-pension-yojana.html" target="_blank">Atal Pension Yojana</a> scheme. Contributions towards the scheme must be made for a minimum duration of 20 years. Individuals must make very low contributions towards the scheme, however, if the contributions that are being made are high, the pension that is received will also be high. However, in case individuals opt for the Atal Pension Yojana scheme, they cannot opt for any other savings scheme.</p><h2 class="text-lg font-bold pt-5">Voluntary Provident Fund (VPF)</h2><p class="text-base ">Employees can opt for the <a href="/saving-schemes/vpf.html" target="_blank">VPF</a> scheme on a voluntary basis. Under the VPF scheme, employees are allowed to contribute their entire <a href="/tax/basic-salary.html" target="_blank">basic salary</a> towards the scheme, unlike the EPF scheme, where only 12% of the basic salary can be contributed.</p><p class="text-base ">Any contributions made towards the VPF scheme will impact the EPF scheme and vice versa. The rate of interest that is generated from contributions made towards the scheme for the year 2024 is 8.15% p.a.</p><div class="text-center mt-4 mb-4"><a href="https://www.bankbazaar.com/credit-score.html?variant=slide&WT.mc_id=CROSS_SELL_IL_SS_BUTTON_17475&utm_source=bb&utm_medium=seo&utm_campaign=CROSS_SELL_IL_SS_BUTTON_17475" class="inline-flex items-center justify-center whitespace-nowrap rounded-md text-sm ring-offset-white transition-colors focus-visible:outline-none focus-visible:ring-slate-950 focus-visible:ring-offset-2 disabled:pointer-events-none disabled:opacity-50 dark:ring-offset-slate-950 dark:focus-visible:ring-slate-300 dark:bg-slate-50 dark:text-slate-900 dark:hover:bg-slate-50/90 px-4 py-2 minW-auto no-underline h-auto text-wrap font-medium focus-visible:ring-0 bg-destructive text-destructive-foreground hover:bg-destructive-300" title="Check FREE Credit Score">Check FREE Credit Score</a></div><h2 class="text-lg font-bold pt-5">Kisan Vikas Patra (KVP)</h2><p class="text-base ">The <a href="/saving-schemes/kisan-vikas-patra.html" target="_blank">Kisan Vikas Patra</a> certificate scheme is offered by post offices in India. The rate of interest that is offered by the scheme at the moment is 7.25% and it is compounded on an annual basis. The minimum contribution that must be towards the scheme is Rs.1,000 and there is no maximum limit. Over the course of 112 months, the amount invested towards the scheme doubles.</p><p class="text-base ">Individuals are allowed to add nominees to the scheme and the certificate can be transferred from one individual to another and from one post office to another. Individuals are also allowed to encash the certificate after 30 months from when the certificate was issued.</p><ol class="list-disc list-outside ml-4 mr-4 "><li class="pt-1 pb-1"><strong>Interest Rate: </strong>7.5% </li><li class="pt-1 pb-1"><strong>Duration: </strong>115 months </li></ol><ol class="list-disc list-outside ml-4 mr-4 "><li class="pt-1 pb-1"><strong>Minimum Investment: </strong>Rs.1,000 </li><li class="pt-1 pb-1"><strong>Maximum Investment:</strong> None </li><li class="pt-1 pb-1"><strong>Deduction on Principal: </strong>NIL </li><li class="pt-1 pb-1"><strong>Tax on Interest: </strong>Yes </li></ol><h2 class="text-lg font-bold pt-5">Senior Citizens Savings Scheme (SCSS)</h2><p class="text-base ">The <a href="/saving-schemes/senior-citizen-saving-scheme.html" target="_blank">SCSS</a> was launched with the aim of helping individuals who are 60 years and above. Individuals who are between the ages of 55 years and 60 years and have chosen for Voluntary Retirement Scheme (VRS) can also avail the benefits of the SCSS.</p><p class="text-base ">The duration of the SCSS is 5 years and the rate of interest under the scheme is 8.20% p.a. for 2023. Individuals must invest a minimum of Rs.1,000 towards the scheme and the maximum investment that can be made is Rs.15 lakh. Individuals can also transfer their SCSS accounts from a post office to a bank and vice versa. Under <a href="/tax/deductions-under-80c.html" target="_blank">Section 80C</a> of the Income Tax Act, tax deductions are available for investments made towards the scheme.</p><ol class="list-disc list-outside ml-4 mr-4 "><li class="pt-1 pb-1"><strong>Interest Rate: </strong>8.2% </li><li class="pt-1 pb-1"><strong>Duration:</strong> Five years </li><li class="pt-1 pb-1"><strong>Minimum Investment; </strong>Rs.1,000 </li></ol><ol class="list-disc list-outside ml-4 mr-4 "><li class="pt-1 pb-1"><strong>Maximum Investment:</strong> Rs.15 lakh </li><li class="pt-1 pb-1"><strong>Deduction on Principal: </strong>Yes </li><li class="pt-1 pb-1"><strong>Tax on Interest: </strong>Yes </li></ol><div class="text-center mt-4 mb-4"><a href="https://www.bankbazaar.com/credit-score.html?variant=slide&WT.mc_id=CROSS_SELL_IL_SS_BUTTON_17475&utm_source=bb&utm_medium=seo&utm_campaign=CROSS_SELL_IL_SS_BUTTON_17475" class="inline-flex items-center justify-center whitespace-nowrap rounded-md text-sm ring-offset-white transition-colors focus-visible:outline-none focus-visible:ring-slate-950 focus-visible:ring-offset-2 disabled:pointer-events-none disabled:opacity-50 dark:ring-offset-slate-950 dark:focus-visible:ring-slate-300 dark:bg-slate-50 dark:text-slate-900 dark:hover:bg-slate-50/90 px-4 py-2 minW-auto no-underline h-auto text-wrap font-medium focus-visible:ring-0 bg-destructive text-destructive-foreground hover:bg-destructive-300" title="Check FREE Credit Score">Check FREE Credit Score</a></div><h2 class="text-lg font-bold pt-5">National Savings Certificate (NSC)</h2><p class="text-base ">The <a href="/saving-schemes/nsc.html" target="_blank">NSC</a> scheme is one of the most popular schemes in India. Since the scheme is backed by the Indian Government, guaranteed returns and <a href="/tax.html" target="_blank">tax benefits</a> are provided. The duration of the scheme is 5 years and individuals can invest in the scheme at post offices. The Indian Government decides the interest rates of the scheme on a quarterly basis.</p><p class="text-base ">The rate of interest of the scheme for <strong>FY 2023-2024</strong> is <strong>7.70%</strong>. The interest that is generated is compounded on an annual basis. The minimum contribution that must be made towards the scheme is Rs.100 and there is no limit to the amount of contribution that can be made. Under Section 80C of the Income Tax Act, individuals are eligible for tax benefits on the contribution they make towards the scheme. Individuals are also allowed to transfer the certificate to another person's name. However, this can be done only once.</p><ol class="list-disc list-outside ml-4 mr-4 "><li class="pt-1 pb-1"><strong>Interest Rate:</strong> 7.7% </li><li class="pt-1 pb-1"><strong>Duration:</strong> Five years </li><li class="pt-1 pb-1"><strong>Minimum Investment: </strong>Rs.100 </li></ol><ol class="list-disc list-outside ml-4 mr-4 "><li class="pt-1 pb-1"><strong>Maximum Investment: </strong>None </li><li class="pt-1 pb-1"><strong>Deduction on Principal: </strong>Yes </li><li class="pt-1 pb-1"><strong>Tax on Interest: </strong>No </li></ol><h2 class="text-lg font-bold pt-5">Post Office Savings Scheme</h2><p class="text-base ">The various savings schemes that are offered by India Post are very popular as the risks are very minimal and most of the schemes provide guaranteed returns.The interest rate offered under the <a href="https://www.bankbazaar.com/saving-schemes/post-office-savings-account.html" target="_blank">Post Office Saving Scheme </a>is 4.00% as of 1 January 2023. The process to open any <strong>saving schemes</strong> accounts at the post office is simple and quick. The many good features offered by the schemes also make them popular.</p><ol class="list-disc list-outside ml-4 mr-4 "><li class="pt-1 pb-1"><strong>Interest Rate: </strong>4% </li><li class="pt-1 pb-1"><strong>Duration: </strong>None </li><li class="pt-1 pb-1"><strong>Minimum Investment:</strong> Rs.50 </li><li class="pt-1 pb-1"><strong>Maximum Investment: </strong>None </li><li class="pt-1 pb-1"><strong>Deduction on Principal:</strong> No </li></ol><ol class="list-disc list-outside ml-4 mr-4 "><li class="pt-1 pb-1"><strong>Tax on Interest:</strong> Yes </li></ol><div class="text-center mt-4 mb-4"><a href="https://www.bankbazaar.com/credit-score.html?variant=slide&WT.mc_id=CROSS_SELL_IL_SS_BUTTON_17475&utm_source=bb&utm_medium=seo&utm_campaign=CROSS_SELL_IL_SS_BUTTON_17475" class="inline-flex items-center justify-center whitespace-nowrap rounded-md text-sm ring-offset-white transition-colors focus-visible:outline-none focus-visible:ring-slate-950 focus-visible:ring-offset-2 disabled:pointer-events-none disabled:opacity-50 dark:ring-offset-slate-950 dark:focus-visible:ring-slate-300 dark:bg-slate-50 dark:text-slate-900 dark:hover:bg-slate-50/90 px-4 py-2 minW-auto no-underline h-auto text-wrap font-medium focus-visible:ring-0 bg-destructive text-destructive-foreground hover:bg-destructive-300" title="Check FREE Credit Score">Check FREE Credit Score</a></div><h2 class="text-lg font-bold pt-5">Post Office Recurring Deposit Account </h2><p class="text-base ">You make a fixed monthly contribution into this account, and each installment grows in value. The account offers an annual compound interest rate of <strong>6.5%</strong>. This <a href="/recurring-deposit/post-office-recurring-deposit.html" target="_blank">Post Office Recurring Deposit account</a> has a fixed 5-year term, but it can be renewed for another five or ten-year period. The smallest payment is Rs.10. In this account, there is no set maximum investment amount. This plan does not provide a tax break, and the interest it accrues is entirely taxable. </p><ol class="list-disc list-outside ml-4 mr-4 "><li class="pt-1 pb-1"><strong>Interest Rate:</strong> 6.5% </li><li class="pt-1 pb-1"><strong>Duration:</strong> Five years </li></ol><ol class="list-disc list-outside ml-4 mr-4 "><li class="pt-1 pb-1"><strong>Minimum Investment:</strong> Rs.10 </li><li class="pt-1 pb-1"><strong>Maximum Investment: </strong>None </li><li class="pt-1 pb-1"><strong>Deduction on Principal:</strong> No </li><li class="pt-1 pb-1"><strong>T</strong><strong>ax on Interest: </strong>Yes </li></ol><h2 class="text-lg font-bold pt-5">Mahila Samman Bachat Patra </h2><p class="text-base ">In order to celebrate the Azadi Ka Amrit Mahotsav, government has come up with a one time new small savings scheme named<a href="https://www.bankbazaar.com/saving-schemes/mahila-samman-savings-certificate.html" target="_blank"> Mahila Samman Bachat Patra</a>. The scheme offers a deposit facility of up to Rs.2 lakhs for girls or women at a rate 7.5% along with a partial withdrawal option. </p><ol class="list-disc list-outside ml-4 mr-4 "><li class="pt-1 pb-1"><strong>Interest Rate: </strong>7.5% </li><li class="pt-1 pb-1"><strong>Duration: </strong>Two years </li><li class="pt-1 pb-1"><strong>Maximum Investment: </strong>Rs.2 lakh </li></ol><div class="text-center mt-4 mb-4"><a href="https://www.bankbazaar.com/credit-score.html?variant=slide&WT.mc_id=CROSS_SELL_IL_SS_BUTTON_17475&utm_source=bb&utm_medium=seo&utm_campaign=CROSS_SELL_IL_SS_BUTTON_17475" class="inline-flex items-center justify-center whitespace-nowrap rounded-md text-sm ring-offset-white transition-colors focus-visible:outline-none focus-visible:ring-slate-950 focus-visible:ring-offset-2 disabled:pointer-events-none disabled:opacity-50 dark:ring-offset-slate-950 dark:focus-visible:ring-slate-300 dark:bg-slate-50 dark:text-slate-900 dark:hover:bg-slate-50/90 px-4 py-2 minW-auto no-underline h-auto text-wrap font-medium focus-visible:ring-0 bg-destructive text-destructive-foreground hover:bg-destructive-300" title="Check FREE Credit Score">Check FREE Credit Score</a></div><h3 class="text-md font-bold pt-5">The savings schemes that are offered by India Post are mentioned below:</h3><ol class="list-disc list-outside ml-4 mr-4 "><li class="pt-1 pb-1"><a href="/saving-schemes/post-office-savings-account.html" target="_blank">Post Office Savings Account</a></li><li class="pt-1 pb-1">National Savings Time Deposit Account</li><li class="pt-1 pb-1"><a href="https://www.bankbazaar.com/saving-schemes/senior-citizen-saving-scheme.html" target="_blank">Senior Citizens Savings Scheme</a> Account</li><li class="pt-1 pb-1"><a href="https://www.bankbazaar.com/saving-schemes/nsc.html" target="_blank">National Savings Certificate</a> Account</li><li class="pt-1 pb-1"><a href="https://www.bankbazaar.com/saving-schemes/sukanya-samriddhi-yojana-account.html" target="_blank">Sukanya Samriddhi</a> Account</li><li class="pt-1 pb-1">National Savings <a href="/recurring-deposit.html" target="_blank">Recurring Deposit Account</a></li><li class="pt-1 pb-1">National Savings Monthly Income Account</li><li class="pt-1 pb-1"><a href="/saving-schemes/ppf.html" target="_blank">Public Provident Fund</a> Account</li><li class="pt-1 pb-1"><a href="/saving-schemes/kisan-vikas-patra.html" target="_blank">Kisan Vikas Patra</a> Account</li></ol><div class="text-center mt-4 mb-4"><a href="https://www.bankbazaar.com/credit-score.html?variant=slide&WT.mc_id=CROSS_SELL_IL_SSFAQ_BUTTON_17475&utm_source=bb&utm_medium=seo&utm_campaign=CROSS_SELL_IL_SSFAQ_BUTTON_17475" class="inline-flex items-center justify-center whitespace-nowrap rounded-md text-sm ring-offset-white transition-colors focus-visible:outline-none focus-visible:ring-slate-950 focus-visible:ring-offset-2 disabled:pointer-events-none disabled:opacity-50 dark:ring-offset-slate-950 dark:focus-visible:ring-slate-300 dark:bg-slate-50 dark:text-slate-900 dark:hover:bg-slate-50/90 px-4 py-2 minW-auto no-underline h-auto text-wrap font-medium focus-visible:ring-0 bg-destructive text-destructive-foreground hover:bg-destructive-300" title="Check FREE Credit Score">Check FREE Credit Score</a></div></div><h2 class="text-lg font-bold pt-4">FAQs on Saving Schemes in India</h2><ul class="list-decimal list-outside ml-4 mr-4 "><li class="pt-1 pb-1"><strong>Which government-based saving schemes offers the highest interest rate? </strong><p class="text-base ">You can invest in Senior Citizen Savings Scheme (SCSS) as you can earn interest of up to 8% on your deposits. </p></li><li class="pt-1 pb-1"><strong>How are accounts and certificates transferred? </strong><p class="text-base ">The depositor must submit an application in the required form SB 10(B)/NC-32 together with a passbook and KYC papers for the transfer of accounts or certificates. Either the transferring office or the transferee office may submit a transfer application. Nonetheless, the relevant Head Post Offices will handle the transfer process. </p></li><li class="pt-1 pb-1"><strong>Can a joint post office savings account be opened? </strong><p class="text-base ">Yes, a joint post office savings account can be opened. </p></li><li class="pt-1 pb-1"><strong>Can interest from the Monthly Income Scheme (MIS) be credited to a recurring deposit account (RD)? </strong><p class="text-base ">There is no provision for MIS interest payments to be sent to the SB account. Standing orders may be issued for the SB to RD transfer of funds. The appropriate Post Office must receive a prescribed application form. </p></li><li class="pt-1 pb-1"><strong>Are netbanking /mobile banking facilities available in Post Office Savings Accounts? </strong><p class="text-base ">Customers of CBS Post Offices with Post Office Savings Accounts have access to intraoperative netbanking and mobile banking features. This will operate within the DoP network for POSB. </p></li><li class="pt-1 pb-1"><strong>How can a silent account be revived and what is it? </strong><p class="text-base ">A silent account is one in which neither a deposit nor a withdrawal has occurred for three full financial years. One application from the customer with KYC documentation is needed for resurrection. The accounts will be revived by the relevant HO.</p></li></ul><script type="application/ld+json" data-testid="faq-json-ld">{"@context":"https://schema.org","@type":"FAQPage","mainEntity":[{"@type":"Question","name":"Which government-based saving schemes offers the highest interest rate? ","acceptedAnswer":{"@type":"Answer","text":"You can invest in Senior Citizen Savings Scheme (SCSS) as you can earn interest of up to 8% on your deposits. ."}},{"@type":"Question","name":"How are accounts and certificates transferred? ","acceptedAnswer":{"@type":"Answer","text":"The depositor must submit an application in the required form SB 10(B)/NC-32 together with a passbook and KYC papers for the transfer of accounts or certificates. Either the transferring office or the transferee office may submit a transfer application. Nonetheless, the relevant Head Post Offices will handle the transfer process. ."}},{"@type":"Question","name":"Can a joint post office savings account be opened? ","acceptedAnswer":{"@type":"Answer","text":"Yes, a joint post office savings account can be opened. ."}},{"@type":"Question","name":"Can interest from the Monthly Income Scheme (MIS) be credited to a recurring deposit account (RD)? ","acceptedAnswer":{"@type":"Answer","text":"There is no provision for MIS interest payments to be sent to the SB account. Standing orders may be issued for the SB to RD transfer of funds. The appropriate Post Office must receive a prescribed application form. ."}},{"@type":"Question","name":"Are netbanking /mobile banking facilities available in Post Office Savings Accounts? ","acceptedAnswer":{"@type":"Answer","text":"Customers of CBS Post Offices with Post Office Savings Accounts have access to intraoperative netbanking and mobile banking features. This will operate within the DoP network for POSB. ."}},{"@type":"Question","name":"How can a silent account be revived and what is it? ","acceptedAnswer":{"@type":"Answer","text":"A silent account is one in which neither a deposit nor a withdrawal has occurred for three full financial years.  One application from the customer with KYC documentation is needed for resurrection. The accounts will be revived by the relevant HO."}}]}</script><h2 class="text-lg font-bold pt-2 pb-2">News about Saving Schemes</h2><div class="flex flex-col gap-2.5"><div class="mb-xl"><div class="rounded-lg border border-slate-200 bg-white text-slate-950 shadow-sm dark:border-slate-800 dark:bg-slate-950 dark:text-slate-50 relative"><div class="flex flex-col space-y-1.5 p-4 bg-secondary text-secondary-foreground"><h3 class="font-semibold tracking-tight text-md text-bold">Government hikes interest rates for SS schemes </h3></div><div class="p-2.5"><p class="text-base ">The Senior Citizen Savings Scheme (SCSS) interest rate for the April-June 2024 quarter has been maintained at 7.4%. This rate remains unchanged from the previous quarter, offering stability to senior citizens seeking secure investment avenues. The SCSS is a government-backed savings scheme tailored for individuals aged 60 years and above, providing them with regular income post-retirement. With a maximum investment limit of Rs.15 lakh per individual, the scheme offers quarterly interest payouts to subscribers. The SCSS interest rate, which is fixed quarterly, continues to offer competitive returns compared to other fixed-income investment options available in the market. This announcement provides assurance to senior citizens and investors regarding the consistency and reliability of returns offered by the SCSS. </p><p class="text-base ">The government has announced the interest rates for various small savings schemes for the April-June quarter. The rates for Public Provident Fund (PPF) remain unchanged at 7.1%. However, the interest rate for the Sukanya Samriddhi Account Scheme has been reduced from 7.6% to 7.4%. Rates for other schemes like National Savings Certificate (NSC) and Kisan Vikas Patra (KVP) remain constant at 6.8% and 6.9%, respectively. These small savings schemes continue to offer competitive returns to investors, contributing to their popularity among individuals seeking secure investment options. </p><div class="text-end px-2.5 py-1">12 March 2024</div></div></div></div><div class="mb-xl"><div class="rounded-lg border border-slate-200 bg-white text-slate-950 shadow-sm dark:border-slate-800 dark:bg-slate-950 dark:text-slate-50 relative"><div class="flex flex-col space-y-1.5 p-4 bg-secondary text-secondary-foreground"><h3 class="font-semibold tracking-tight text-md text-bold">Employee Provident Fund Organization sets 8.25% EPF interest rate for FY 23-24 </h3></div><div class="p-2.5"><p class="text-base ">On 10 February 2024, the Employees’ Provident Fund Organisation increased the interest rate on provident fund deposits to 8.25% for 2023-24, up from 8.15% the previous year and 8.10% in 2021-22. This hike is helpful to over 65 million EPFO subscribers, driven by robust financial returns, notably from equity investments. </p><div class="text-end px-2.5 py-1">12 February 2024</div></div></div></div></div><script type="application/ld+json" data-testid="organization-json-ld">{"@context":"http://schema.org","@type":"Organization","name":"BankBazaar","url":"https://www.bankbazaar.com/","logo":"https://static.bankbazaar.com/images/bankbazaar-logo.png","sameAs":["https://www.facebook.com/bankbazaar/","https://twitter.com/bankbazaar","https://www.instagram.com/bankbazaar/","https://www.linkedin.com/company/417362/","https://www.youtube.com/@BankBazaar","https://in.linkedin.com/company/bank_bazaar"]}</script></div></div></div></div></div><div class="py-5"><div class="border bg-transparent hover:bg-transparent"><details name="accordion" class="px-2.5 py-2.5"><summary class="cursor-pointer block relative"><strong>Disclaimer <span class="accordion-arrow absolute right-2.5"><svg xmlns="http://www.w3.org/2000/svg" width="24" height="24" viewBox="0 0 24 24" fill="none" stroke="currentColor" stroke-width="2" stroke-linecap="round" stroke-linejoin="round" class="lucide lucide-chevron-down"><path d="m6 9 6 6 6-6"></path></svg></span></strong></summary><div class="py-2.5">Display of any trademarks, tradenames, logos and other subject matters of intellectual property belong to their respective intellectual property owners. 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no-underline text-white" href="/cibil/credit-monitoring.html" title="How to Monitor Credit Score" aria-label="How to Monitor Credit Score">How to Monitor Credit Score</a></li></ul></div><div class="items-start flex flex-col justify-center gap-4 p-2.5"><p class="text-sm text-white font-bold ">Personal Loan:</p><ul class="list-none "><li class="text-sm pt-1 pb-1"><a class="inline-flex hover:underline no-underline text-white" href="/personal-loan.html" title="Compare Personal Loans" aria-label="Compare Personal Loans">Compare Personal Loans</a></li><li class="text-sm pt-1 pb-1"><a class="inline-flex hover:underline no-underline text-white" href="/sbi-personal-loan.html" title="SBI Personal Loan" aria-label="SBI Personal Loan">SBI Personal Loan</a></li><li class="text-sm pt-1 pb-1"><a class="inline-flex hover:underline no-underline text-white" href="/hdfc-personal-loan.html" title="HDFC Personal Loan" aria-label="HDFC Personal Loan">HDFC Personal Loan</a></li><li class="text-sm pt-1 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aria-label="Home Loan Interest Rates">Home Loan Interest Rates</a></li><li class="text-sm pt-1 pb-1"><a class="inline-flex hover:underline no-underline text-white" href="/home-loan-eligibility.html" title="Home Loan Eligibility" aria-label="Home Loan Eligibility">Home Loan Eligibility</a></li><li class="text-sm pt-1 pb-1"><a class="inline-flex hover:underline no-underline text-white" href="/home-loan/repo-rate.html" title="Current Repo Rate 2024" aria-label="Current Repo Rate 2024">Current Repo Rate 2024</a></li></ul></div><div class="items-start flex flex-col justify-center gap-4 p-2.5"><p class="text-sm text-white font-bold ">Fixed Deposit:</p><ul class="list-none "><li class="text-sm pt-1 pb-1"><a class="inline-flex hover:underline no-underline text-white" href="/fixed-deposit/sbi-fixed-deposit.html" title="SBI Fixed Deposit" aria-label="SBI Fixed Deposit">SBI Fixed Deposit</a></li><li class="text-sm pt-1 pb-1"><a class="inline-flex hover:underline no-underline text-white" 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{"basename":"/","future":{"v3_fetcherPersist":true,"v3_relativeSplatPath":true,"v3_throwAbortReason":true,"unstable_singleFetch":false,"unstable_lazyRouteDiscovery":false,"unstable_optimizeDeps":false},"isSpaMode":false,"state":{"loaderData":{"root":{"namespace":"saving-schemes","gtmId":"GTM-TRB8XL","wenEngageId":"~13410604b","appshell":true},"routes/default/route":{"productType":"ALL","categoryType":"SAVING_SCHEME","bankId":1001,"pageData":{"id":17475,"topContent":[{"type":"header","data":{"text":"What is Saving Schemes?","level":2}},{"type":"paragraph","data":{"text":"\u003cstrong\u003eSaving schemes \u003c/strong\u003ein India are government-backed financial plans designed to encourage citizens to save and earn returns at attractive interest rates. Options like the Public Provident Fund (PPF), National Savings Certificate (NSC), and Senior Citizens Savings Scheme (SCSS) offer tax deductions and benefits under the Income Tax Act, 1961. These schemes cater to various financial goals, such as retirement, education, and emergency funds, and are considered safe due to government backing."}}],"metaTitle":"Saving Schemes - Check Benefits, Interest Rates \u0026 Eligibility","metaKeyword":"Saving Scheme, Saving Schemes, Savings Scheme","h1Title":"Saving Schemes in India - 2024","metaDescription":"Saving Schemes - Know Everything about Savings Schemes. Check Different Types, Features, Advantages, Lock-in period \u0026 Tax Exemptions in India.","hideEligForm":true,"hideUserReviews":true,"breadCrumb":{"currentPageText":"Saving Schemes"},"hungryForMore":[{"type":"cta","data":{"link":"https://www.bankbazaar.com/credit-score.html?variant=slide\u0026WT.mc_id=CROSS_SELL_IL_SS_BUTTON_17475\u0026utm_source=bb\u0026utm_medium=seo\u0026utm_campaign=CROSS_SELL_IL_SS_BUTTON_17475","linkText":"Check FREE Credit Score"}},{"type":"paragraph","data":{"text":"Here are more details about the various savings scheme options available in India."}},{"type":"header","data":{"text":"List of Saving Schemes In India 2024","level":2}},{"type":"paragraph","data":{"text":"The following table highlights the details of savings schemes:"}},{"type":"table","data":{"rows":[{"cols":[{"highlight":true,"rowspan":1,"colspan":1,"content":[{"data":{"text":"Savings Scheme\u0026nbsp;\u0026nbsp;"},"type":"paragraph"}]},{"highlight":true,"rowspan":1,"colspan":1,"content":[{"data":{"text":"Interest Rate\u0026nbsp;"},"type":"paragraph"}]},{"highlight":true,"rowspan":1,"colspan":1,"content":[{"data":{"text":"Contribution Amount\u0026nbsp;"},"type":"paragraph"}]},{"highlight":true,"rowspan":1,"colspan":1,"content":[{"data":{"text":"Duration\u0026nbsp;"},"type":"paragraph"}]},{"highlight":true,"rowspan":1,"colspan":1,"content":[{"data":{"text":"Tax Deduction on Principal\u0026nbsp;\u0026nbsp;"},"type":"paragraph"}]},{"highlight":true,"rowspan":1,"colspan":1,"content":[{"data":{"text":"Interest Taxable\u0026nbsp;\u0026nbsp;"},"type":"paragraph"}]},{"highlight":true,"rowspan":1,"colspan":1,"content":[{"data":{"text":"Taxability of Returns\u0026nbsp;"},"type":"paragraph"}]}]},{"cols":[{"highlight":false,"rowspan":1,"colspan":1,"content":[{"data":{"text":"\u003ca href=\"https://www.bankbazaar.com/saving-schemes/post-office-savings-account.html\" target=\"_blank\" rel=\"noreferrer noopener\"\u003ePost Office Savings Account\u0026nbsp;\u003c/a\u003e\u0026nbsp;"},"type":"paragraph"}]},{"highlight":false,"rowspan":1,"colspan":1,"content":[{"data":{"text":"4.0%\u0026nbsp;\u0026nbsp;"},"type":"paragraph"}]},{"highlight":false,"rowspan":1,"colspan":1,"content":[{"data":{"text":"Minimum: Rs.500Maximum: No Limit\u0026nbsp;"},"type":"paragraph"}]},{"highlight":false,"rowspan":1,"colspan":1,"content":[{"data":{"text":"No limit\u0026nbsp;"},"type":"paragraph"}]},{"highlight":false,"rowspan":1,"colspan":1,"content":[{"data":{"text":"No\u0026nbsp;\u0026nbsp;"},"type":"paragraph"}]},{"highlight":false,"rowspan":1,"colspan":1,"content":[{"data":{"text":"Yes\u0026nbsp;\u0026nbsp;"},"type":"paragraph"}]},{"highlight":false,"rowspan":1,"colspan":1,"content":[{"data":{"text":"Interest up to Rs.10,000 in a financial year is exempt\u0026nbsp;"},"type":"paragraph"}]}]},{"cols":[{"highlight":false,"rowspan":1,"colspan":1,"content":[{"data":{"text":"Post Office Monthly Income Scheme\u0026nbsp;\u0026nbsp;"},"type":"paragraph"}]},{"highlight":false,"rowspan":1,"colspan":1,"content":[{"data":{"text":"7.4%\u0026nbsp;\u0026nbsp;"},"type":"paragraph"}]},{"highlight":false,"rowspan":1,"colspan":1,"content":[{"data":{"text":"Minimum: Rs.1,000Maximum: Rs.9 lakh\u0026nbsp;"},"type":"paragraph"}]},{"highlight":false,"rowspan":1,"colspan":1,"content":[{"data":{"text":"5 years\u0026nbsp;"},"type":"paragraph"}]},{"highlight":false,"rowspan":1,"colspan":1,"content":[{"data":{"text":"No\u0026nbsp;\u0026nbsp;"},"type":"paragraph"}]},{"highlight":false,"rowspan":1,"colspan":1,"content":[{"data":{"text":"Yes\u0026nbsp;\u0026nbsp;"},"type":"paragraph"}]},{"highlight":false,"rowspan":1,"colspan":1,"content":[{"data":{"text":"Taxed as per income tax slab rates\u0026nbsp;"},"type":"paragraph"}]}]},{"cols":[{"highlight":false,"rowspan":1,"colspan":1,"content":[{"data":{"text":"Post Office Recurring Deposit\u0026nbsp;\u0026nbsp;"},"type":"paragraph"}]},{"highlight":false,"rowspan":1,"colspan":1,"content":[{"data":{"text":"6.7%\u0026nbsp;\u0026nbsp;"},"type":"paragraph"}]},{"highlight":false,"rowspan":1,"colspan":1,"content":[{"data":{"text":"Minimum: Rs.100Maximum: No limit\u0026nbsp;"},"type":"paragraph"}]},{"highlight":false,"rowspan":1,"colspan":1,"content":[{"data":{"text":"5 years\u0026nbsp;"},"type":"paragraph"}]},{"highlight":false,"rowspan":1,"colspan":1,"content":[{"data":{"text":"No\u0026nbsp;\u0026nbsp;"},"type":"paragraph"}]},{"highlight":false,"rowspan":1,"colspan":1,"content":[{"data":{"text":"Yes\u0026nbsp;\u0026nbsp;"},"type":"paragraph"}]},{"highlight":false,"rowspan":1,"colspan":1,"content":[{"data":{"text":"TDS of 10% if interest\u0026nbsp;exceeds Rs. 40,000 (Rs. 50,000 for senior citizens)\u0026nbsp;"},"type":"paragraph"}]}]},{"cols":[{"highlight":false,"rowspan":1,"colspan":1,"content":[{"data":{"text":"Post Office Time Deposit (One Year)\u0026nbsp;\u0026nbsp;"},"type":"paragraph"}]},{"highlight":false,"rowspan":1,"colspan":1,"content":[{"data":{"text":"6.9%\u0026nbsp;\u0026nbsp;"},"type":"paragraph"}]},{"highlight":false,"rowspan":1,"colspan":1,"content":[{"data":{"text":"Minimum: Rs.1000Maximum: No limit\u0026nbsp;"},"type":"paragraph"}]},{"highlight":false,"rowspan":1,"colspan":1,"content":[{"data":{"text":"1 year\u0026nbsp;"},"type":"paragraph"}]},{"highlight":false,"rowspan":1,"colspan":1,"content":[{"data":{"text":"No\u0026nbsp;\u0026nbsp;"},"type":"paragraph"}]},{"highlight":false,"rowspan":1,"colspan":1,"content":[{"data":{"text":"Yes\u0026nbsp;\u0026nbsp;"},"type":"paragraph"}]},{"highlight":false,"rowspan":1,"colspan":1,"content":[{"data":{"text":"Interest added to total annual income and taxed as per income tax slab rates \u0026nbsp;"},"type":"paragraph"}]}]},{"cols":[{"highlight":false,"rowspan":1,"colspan":1,"content":[{"data":{"text":"Post Office Time Deposit (Two Year)\u0026nbsp;\u0026nbsp;"},"type":"paragraph"}]},{"highlight":false,"rowspan":1,"colspan":1,"content":[{"data":{"text":"7.0%\u0026nbsp;\u0026nbsp;"},"type":"paragraph"}]},{"highlight":false,"rowspan":1,"colspan":1,"content":[{"data":{"text":"Minimum: Rs.1000Maximum: No limit\u0026nbsp;"},"type":"paragraph"}]},{"highlight":false,"rowspan":1,"colspan":1,"content":[{"data":{"text":"2 years\u0026nbsp;"},"type":"paragraph"}]},{"highlight":false,"rowspan":1,"colspan":1,"content":[{"data":{"text":"No\u0026nbsp;\u0026nbsp;"},"type":"paragraph"}]},{"highlight":false,"rowspan":1,"colspan":1,"content":[{"data":{"text":"Yes\u0026nbsp;\u0026nbsp;"},"type":"paragraph"}]},{"highlight":false,"rowspan":1,"colspan":1,"content":[{"data":{"text":"Interest added to total annual income and taxed as per income tax slab rates\u0026nbsp;"},"type":"paragraph"}]}]},{"cols":[{"highlight":false,"rowspan":1,"colspan":1,"content":[{"data":{"text":"Post Office Time Deposit (Five Year)\u0026nbsp;\u0026nbsp;"},"type":"paragraph"}]},{"highlight":false,"rowspan":1,"colspan":1,"content":[{"data":{"text":"7.5%\u0026nbsp;\u0026nbsp;"},"type":"paragraph"}]},{"highlight":false,"rowspan":1,"colspan":1,"content":[{"data":{"text":"Minimum: Rs.1000Maximum: No limit\u0026nbsp;"},"type":"paragraph"}]},{"highlight":false,"rowspan":1,"colspan":1,"content":[{"data":{"text":"5 years\u0026nbsp;"},"type":"paragraph"}]},{"highlight":false,"rowspan":1,"colspan":1,"content":[{"data":{"text":"Yes\u0026nbsp;\u0026nbsp;"},"type":"paragraph"}]},{"highlight":false,"rowspan":1,"colspan":1,"content":[{"data":{"text":"Yes\u0026nbsp;\u0026nbsp;"},"type":"paragraph"}]},{"highlight":false,"rowspan":1,"colspan":1,"content":[{"data":{"text":"Tax benefits under Section 80C\u0026nbsp;"},"type":"paragraph"}]}]},{"cols":[{"highlight":false,"rowspan":1,"colspan":1,"content":[{"data":{"text":"\u003ca href=\"https://www.bankbazaar.com/saving-schemes/kisan-vikas-patra.html\" target=\"_blank\"\u003eKisan Vikas Patra\u0026nbsp;\u003c/a\u003e(KVP)\u0026nbsp;\u0026nbsp;"},"type":"paragraph"}]},{"highlight":false,"rowspan":1,"colspan":1,"content":[{"data":{"text":"7.5%\u0026nbsp;\u0026nbsp;"},"type":"paragraph"}]},{"highlight":false,"rowspan":1,"colspan":1,"content":[{"data":{"text":"Minimum: Rs.1000Maximum: No limit\u0026nbsp;"},"type":"paragraph"}]},{"highlight":false,"rowspan":1,"colspan":1,"content":[{"data":{"text":"9 years \u0026amp; 5 months\u0026nbsp;"},"type":"paragraph"}]},{"highlight":false,"rowspan":1,"colspan":1,"content":[{"data":{"text":"No\u0026nbsp;\u0026nbsp;"},"type":"paragraph"}]},{"highlight":false,"rowspan":1,"colspan":1,"content":[{"data":{"text":"Yes\u0026nbsp;\u0026nbsp;"},"type":"paragraph"}]},{"highlight":false,"rowspan":1,"colspan":1,"content":[{"data":{"text":"Returns are taxable\u0026nbsp;"},"type":"paragraph"}]}]},{"cols":[{"highlight":false,"rowspan":1,"colspan":1,"content":[{"data":{"text":"\u003ca href=\"https://www.bankbazaar.com/saving-schemes/ppf.html\" target=\"_blank\" rel=\"noreferrer noopener\"\u003ePublic Provident Fund\u003c/a\u003e\u0026nbsp;(PPF)\u0026nbsp;\u0026nbsp;"},"type":"paragraph"}]},{"highlight":false,"rowspan":1,"colspan":1,"content":[{"data":{"text":"7.1%\u0026nbsp;\u0026nbsp;"},"type":"paragraph"}]},{"highlight":false,"rowspan":1,"colspan":1,"content":[{"data":{"text":"Minimum: Rs.500Maximum: Rs.1.5 lakh p.a.\u0026nbsp;"},"type":"paragraph"}]},{"highlight":false,"rowspan":1,"colspan":1,"content":[{"data":{"text":"15 years\u0026nbsp;"},"type":"paragraph"}]},{"highlight":false,"rowspan":1,"colspan":1,"content":[{"data":{"text":"Yes\u0026nbsp;\u0026nbsp;"},"type":"paragraph"}]},{"highlight":false,"rowspan":1,"colspan":1,"content":[{"data":{"text":"No\u0026nbsp;\u0026nbsp;"},"type":"paragraph"}]},{"highlight":false,"rowspan":1,"colspan":1,"content":[{"data":{"text":"Exempt from tax\u0026nbsp;"},"type":"paragraph"}]}]},{"cols":[{"highlight":false,"rowspan":1,"colspan":1,"content":[{"data":{"text":"\u003ca href=\"https://www.bankbazaar.com/saving-schemes/sukanya-samriddhi-yojana-account.html\" target=\"_blank\" rel=\"noreferrer noopener\"\u003eSukanya Samriddhi Yojana\u0026nbsp;\u003c/a\u003e\u0026nbsp;"},"type":"paragraph"}]},{"highlight":false,"rowspan":1,"colspan":1,"content":[{"data":{"text":"8.2%\u0026nbsp;\u0026nbsp;"},"type":"paragraph"}]},{"highlight":false,"rowspan":1,"colspan":1,"content":[{"data":{"text":"Minimum: Rs.250Maximum: Rs.1.5 lakh p.a.\u0026nbsp;"},"type":"paragraph"}]},{"highlight":false,"rowspan":1,"colspan":1,"content":[{"data":{"text":"15 years contribution periodMaturity period at 18 or 21 years of girl child\u0026nbsp;"},"type":"paragraph"}]},{"highlight":false,"rowspan":1,"colspan":1,"content":[{"data":{"text":"Yes\u0026nbsp;\u0026nbsp;"},"type":"paragraph"}]},{"highlight":false,"rowspan":1,"colspan":1,"content":[{"data":{"text":"No\u0026nbsp;\u0026nbsp;"},"type":"paragraph"}]},{"highlight":false,"rowspan":1,"colspan":1,"content":[{"data":{"text":"Interest is exempt from tax\u0026nbsp;"},"type":"paragraph"}]}]},{"cols":[{"highlight":false,"rowspan":1,"colspan":1,"content":[{"data":{"text":"\u003ca href=\"https://www.bankbazaar.com/saving-schemes/nsc.html\" target=\"_blank\" rel=\"noreferrer noopener\"\u003eNational Savings Certificate\u0026nbsp;\u003c/a\u003e\u0026nbsp;"},"type":"paragraph"}]},{"highlight":false,"rowspan":1,"colspan":1,"content":[{"data":{"text":"7.7%\u0026nbsp;\u0026nbsp;"},"type":"paragraph"}]},{"highlight":false,"rowspan":1,"colspan":1,"content":[{"data":{"text":"Minimum: Rs.1,000Maximum: No Limit\u0026nbsp;"},"type":"paragraph"}]},{"highlight":false,"rowspan":1,"colspan":1,"content":[{"data":{"text":"5 years\u0026nbsp;"},"type":"paragraph"}]},{"highlight":false,"rowspan":1,"colspan":1,"content":[{"data":{"text":"Yes\u0026nbsp;\u0026nbsp;"},"type":"paragraph"}]},{"highlight":false,"rowspan":1,"colspan":1,"content":[{"data":{"text":"No\u0026nbsp;\u0026nbsp;"},"type":"paragraph"}]},{"highlight":false,"rowspan":1,"colspan":1,"content":[{"data":{"text":"Up to Rs.1.5 lakh under Section 80C\u0026nbsp;"},"type":"paragraph"}]}]},{"cols":[{"highlight":false,"rowspan":1,"colspan":1,"content":[{"data":{"text":"\u003ca href=\"https://www.bankbazaar.com/saving-schemes/nps.html\" target=\"_blank\" rel=\"noreferrer noopener\"\u003eNational Pension Scheme\u0026nbsp;\u003c/a\u003e\u0026nbsp;"},"type":"paragraph"}]},{"highlight":false,"rowspan":1,"colspan":1,"content":[{"data":{"text":"Market Linked\u0026nbsp;\u0026nbsp;"},"type":"paragraph"}]},{"highlight":false,"rowspan":1,"colspan":1,"content":[{"data":{"text":"Govt employees: 14%Others: 10%\u0026nbsp;"},"type":"paragraph"}]},{"highlight":false,"rowspan":1,"colspan":1,"content":[{"data":{"text":"Up to 60 years of age but can be extended up to 70\u0026nbsp;"},"type":"paragraph"}]},{"highlight":false,"rowspan":1,"colspan":1,"content":[{"data":{"text":"Yes\u0026nbsp;\u0026nbsp;"},"type":"paragraph"}]},{"highlight":false,"rowspan":1,"colspan":1,"content":[{"data":{"text":"Yes\u0026nbsp;\u0026nbsp;"},"type":"paragraph"}]},{"highlight":false,"rowspan":1,"colspan":1,"content":[{"data":{"text":"Up to Rs.1.5 lakh tax deduction for employee \u0026amp; employer's contributionAdditional deduction of up to Rs.50,000 for self-contribution\u0026nbsp;"},"type":"paragraph"}]}]},{"cols":[{"highlight":false,"rowspan":1,"colspan":1,"content":[{"data":{"text":"\u003ca href=\"https://www.bankbazaar.com/saving-schemes/nsc.html\" target=\"_blank\" rel=\"noreferrer noopener\"\u003eNational Savings Certificate\u0026nbsp;\u003c/a\u003e\u0026nbsp;"},"type":"paragraph"}]},{"highlight":false,"rowspan":1,"colspan":1,"content":[{"data":{"text":"Market Linked\u0026nbsp;\u0026nbsp;"},"type":"paragraph"}]},{"highlight":false,"rowspan":1,"colspan":1,"content":[{"data":{"text":"Minimum: Rs.1,000Maximum: No Limit\u0026nbsp;"},"type":"paragraph"}]},{"highlight":false,"rowspan":1,"colspan":1,"content":[{"data":{"text":"5 years\u0026nbsp;"},"type":"paragraph"}]},{"highlight":false,"rowspan":1,"colspan":1,"content":[{"data":{"text":"Yes\u0026nbsp;\u0026nbsp;"},"type":"paragraph"}]},{"highlight":false,"rowspan":1,"colspan":1,"content":[{"data":{"text":"Yes\u0026nbsp;\u0026nbsp;"},"type":"paragraph"}]},{"highlight":false,"rowspan":1,"colspan":1,"content":[{"data":{"text":"Interest is taxed as per income tax slab rates\u0026nbsp;"},"type":"paragraph"}]}]},{"cols":[{"highlight":false,"rowspan":1,"colspan":1,"content":[{"data":{"text":"\u003ca href=\"https://www.bankbazaar.com/saving-schemes/senior-citizen-saving-scheme.html\" target=\"_blank\" rel=\"noreferrer noopener\"\u003eSenior Citizens’ Saving Scheme\u003c/a\u003e\u0026nbsp;\u0026nbsp;\u0026nbsp;"},"type":"paragraph"}]},{"highlight":false,"rowspan":1,"colspan":1,"content":[{"data":{"text":"8.2%\u0026nbsp;\u0026nbsp;"},"type":"paragraph"}]},{"highlight":false,"rowspan":1,"colspan":1,"content":[{"data":{"text":"Minimum: Rs.1,000Maximum: Rs.30 lakh\u0026nbsp;"},"type":"paragraph"}]},{"highlight":false,"rowspan":1,"colspan":1,"content":[{"data":{"text":"5 years\u0026nbsp;"},"type":"paragraph"}]},{"highlight":false,"rowspan":1,"colspan":1,"content":[{"data":{"text":"Yes\u0026nbsp;\u0026nbsp;"},"type":"paragraph"}]},{"highlight":false,"rowspan":1,"colspan":1,"content":[{"data":{"text":"Yes\u0026nbsp;\u0026nbsp;"},"type":"paragraph"}]},{"highlight":false,"rowspan":1,"colspan":1,"content":[{"data":{"text":"Interest is taxed as per income tax slab rates with deduction of up to Rs.50,000\u0026nbsp;"},"type":"paragraph"}]}]},{"cols":[{"highlight":false,"rowspan":1,"colspan":1,"content":[{"data":{"text":"Tax Saving FDs\u0026nbsp;\u0026nbsp;"},"type":"paragraph"}]},{"highlight":false,"rowspan":1,"colspan":1,"content":[{"data":{"text":"5.5% to 7.75%\u0026nbsp;\u0026nbsp;"},"type":"paragraph"}]},{"highlight":false,"rowspan":1,"colspan":1,"content":[{"data":{"text":"Minimum: Rs.100Maximum: Rs.1.5 lakh per financial year\u0026nbsp;"},"type":"paragraph"}]},{"highlight":false,"rowspan":1,"colspan":1,"content":[{"data":{"text":"5 years\u0026nbsp;"},"type":"paragraph"}]},{"highlight":false,"rowspan":1,"colspan":1,"content":[{"data":{"text":"Yes\u0026nbsp;\u0026nbsp;"},"type":"paragraph"}]},{"highlight":false,"rowspan":1,"colspan":1,"content":[{"data":{"text":"Yes\u0026nbsp;"},"type":"paragraph"}]},{"highlight":false,"rowspan":1,"colspan":1,"content":[{"data":{"text":"Deduction of up to Rs.1.5 lakh p.a.; interest is taxable\u0026nbsp;"},"type":"paragraph"}]}]}]}},{"type":"header","data":{"text":"Advantages of Savings Schemes","level":2}},{"type":"image","data":{"float":"right","lazy":true,"src":"https://static.bankbazaar.com/images/india/infographic/savings-scheme.webp","alt":"Adv Saving Schemes","title":" Saving Schemes Advantages","width":400,"height":250}},{"type":"paragraph","data":{"text":"The main advantages of investing in savings schemes are mentioned below:"}},{"type":"list","data":{"style":"unordered","items":[{"content":"\u003cstrong\u003eLong-term benefits:\u003c/strong\u003e Individuals can achieve their long-term goals such as retirement plans, children's education, and children's marriage by investing in savings schemes.","items":[]},{"content":"\u003cstrong\u003eVarious savings schemes:\u003c/strong\u003e The number of savings scheme currently available is large. The benefits vary according to the scheme and the sector. For example, the Pradhan Mantri Jan Dhan Yojana is designed to help people who are below poverty line and the Sukanya Samriddhi Yojana helps a girl child financially.","items":[]},{"content":"\u003cstrong\u003eHassle-free: \u003c/strong\u003eThe maintenance and investment towards the schemes are very simple and most of the contributions made towards the schemes can be done online.","items":[]},{"content":"\u003cstrong\u003eSecurity and safety:\u003c/strong\u003e The contributions that are made towards the schemes are minimal on risk as well as safe and secure since the schemes are launched by the Indian Government.","items":[]}]}},{"type":"cta","data":{"link":"https://www.bankbazaar.com/credit-score.html?variant=slide\u0026WT.mc_id=CROSS_SELL_IL_SS_BUTTON_17475\u0026utm_source=bb\u0026utm_medium=seo\u0026utm_campaign=CROSS_SELL_IL_SS_BUTTON_17475","linkText":"Check FREE Credit Score"}},{"type":"header","data":{"text":"Different Types of Savings Schemes","level":2}},{"type":"paragraph","data":{"text":"Some of the various schemes that are available are mentioned below:"}},{"type":"header","data":{"text":"Tax Saving FDs","level":2}},{"type":"paragraph","data":{"text":"\u003ca href=\"/fixed-deposit/tax-saver-fd-interest-rates-comparison.html\" target=\"_blank\"\u003eTax saving FDs \u003c/a\u003ehold a deduction under Section 80C of the Income Tax Act for investment of up to Rs.1.5 lakh. These fixed-term investments (FDs) have a minimum lock-in period of five years and can be opened at any bank—public or private—or post office. "}},{"type":"paragraph","data":{"text":"The interest from tax-saving FDs is subject to tax at your applicable slab rate. For investors seeking low risk and assured profits, it is an appropriate choice. Tax-saving FDs require a minimum investment of Rs.100. "}},{"type":"paragraph","data":{"text":"Although there is no upper limit, payments up to Rs.1.5 lakh annually are the only ones eligible for a tax deduction.\u0026nbsp;"}},{"type":"list","data":{"style":"unordered","items":[{"content":"\u003cstrong\u003eInterest rate: \u003c/strong\u003eVary from bank to bank. Presently, it is around 5.75% to 8.60%.","items":[]},{"content":"\u003cstrong\u003eDuration: \u003c/strong\u003eFive years","items":[]},{"content":"\u003cstrong\u003eMinimum Investment:\u003c/strong\u003e Rs.100","items":[]},{"content":"\u003cstrong\u003eMaximum Investment: \u003c/strong\u003eNo limit","items":[]},{"content":"\u003cstrong\u003eDeduction on Principal:\u003c/strong\u003e Yes","items":[]}]}},{"type":"list","data":{"style":"unordered","items":[{"content":"\u003cstrong\u003eTax on Interest: \u003c/strong\u003eTaxable","items":[]}]}},{"type":"cta","data":{"link":"https://www.bankbazaar.com/credit-score.html?variant=slide\u0026WT.mc_id=CROSS_SELL_IL_SS_BUTTON_17475\u0026utm_source=bb\u0026utm_medium=seo\u0026utm_campaign=CROSS_SELL_IL_SS_BUTTON_17475","linkText":"Check FREE Credit Score"}},{"type":"paragraph","data":{"text":"The following table highlights the interest rates of Tax saving Bank FDs"}},{"type":"table","data":{"rows":[{"cols":[{"content":[{"type":"paragraph","data":{"text":"Banks\u0026nbsp;"}}],"colspan":1,"rowspan":1,"highlight":true},{"content":[{"type":"paragraph","data":{"text":"General\u0026nbsp;"}}],"colspan":1,"rowspan":1,"highlight":true},{"content":[{"type":"paragraph","data":{"text":"Senior Citizens\u0026nbsp;"}}],"colspan":1,"rowspan":1,"highlight":true}]},{"cols":[{"content":[{"type":"paragraph","data":{"text":"State Bank of India\u0026nbsp;"}}],"colspan":1,"rowspan":1,"highlight":false},{"content":[{"type":"paragraph","data":{"text":"6.50%\u0026nbsp;"}}],"colspan":1,"rowspan":1,"highlight":false},{"content":[{"type":"paragraph","data":{"text":"7.50%\u0026nbsp;"}}],"colspan":1,"rowspan":1,"highlight":false}]},{"cols":[{"content":[{"type":"paragraph","data":{"text":"ICICI Bank\u0026nbsp;"}}],"colspan":1,"rowspan":1,"highlight":false},{"content":[{"type":"paragraph","data":{"text":"7.00%\u0026nbsp;"}}],"colspan":1,"rowspan":1,"highlight":false},{"content":[{"type":"paragraph","data":{"text":"7.50%\u0026nbsp;"}}],"colspan":1,"rowspan":1,"highlight":false}]},{"cols":[{"content":[{"type":"paragraph","data":{"text":"HDFC Bank\u0026nbsp;"}}],"colspan":1,"rowspan":1,"highlight":false},{"content":[{"type":"paragraph","data":{"text":"7.00%\u0026nbsp;"}}],"colspan":1,"rowspan":1,"highlight":false},{"content":[{"type":"paragraph","data":{"text":"7.50%\u0026nbsp;"}}],"colspan":1,"rowspan":1,"highlight":false}]},{"cols":[{"content":[{"type":"paragraph","data":{"text":"Bank of Baroda\u0026nbsp;"}}],"colspan":1,"rowspan":1,"highlight":false},{"content":[{"type":"paragraph","data":{"text":"6.50%\u0026nbsp;"}}],"colspan":1,"rowspan":1,"highlight":false},{"content":[{"type":"paragraph","data":{"text":"7.15% to 7.50%\u0026nbsp;"}}],"colspan":1,"rowspan":1,"highlight":false}]},{"cols":[{"content":[{"type":"paragraph","data":{"text":"Kotak Mahindra Bank\u0026nbsp;"}}],"colspan":1,"rowspan":1,"highlight":false},{"content":[{"type":"paragraph","data":{"text":"6.20%\u0026nbsp;"}}],"colspan":1,"rowspan":1,"highlight":false},{"content":[{"type":"paragraph","data":{"text":"6.70%\u0026nbsp;"}}],"colspan":1,"rowspan":1,"highlight":false}]}]}},{"type":"image","data":{"height":200,"width":300,"alt":"Saving Schemes","title":"Saving Schemes","src":"https://static.bankbazaar.com/images/india/infographic/ss.webp","lazy":true,"float":"right"}},{"type":"header","data":{"text":"Unit Linked Insurance Plan (ULIP)\u0026nbsp;","level":2}},{"type":"paragraph","data":{"text":"A\u003ca href=\"/life-insurance/ulip.html\" target=\"_blank\"\u003e Unit Linked Insurance Plan\u003c/a\u003e is basically an integrated plan that offers investment as well as life cover via a single scheme. ULIPs investment is taxable under Section 80C up to Rs.1.5 lakh per annum and the maturity proceeds of ULIP is exempted under Section 10(10)(D). "}},{"type":"paragraph","data":{"text":"ULIPs specify a \u003ca href=\"https://www.bankbazaar.com/insurance/life-insurance.html\" target=\"_blank\"\u003elife insurance coverage\u003c/a\u003e which allow the investors to select ULIP funds that invest in equities or/ and debt and function which is very similar to mutual funds. However, the minimum annual investment differs from fund to fund but is mainly set at Rs.2,500.\u0026nbsp;"}},{"type":"list","data":{"style":"unordered","items":[{"content":"\u003cstrong\u003eInterest Rate:\u003c/strong\u003e Rate of return is not fixed\u0026nbsp;","items":[]},{"content":"\u003cstrong\u003eDuration: \u003c/strong\u003eMinimum – Five years, Maximum – 20 years\u0026nbsp;","items":[]}]}},{"type":"list","data":{"style":"unordered","items":[{"content":"\u003cstrong\u003eMinimum investment:\u003c/strong\u003e Rs.2,500\u0026nbsp;","items":[]},{"content":"\u003cstrong\u003eMaximum Investment: \u003c/strong\u003eNIL\u0026nbsp;","items":[]},{"content":"\u003cstrong\u003eDeduction on Principal: \u003c/strong\u003eYes\u0026nbsp;","items":[]},{"content":"\u003cstrong\u003eTax on interest: \u003c/strong\u003eNot taxable\u0026nbsp;","items":[]}]}},{"type":"cta","data":{"link":"https://www.bankbazaar.com/credit-score.html?variant=slide\u0026WT.mc_id=CROSS_SELL_IL_SS_BUTTON_17475\u0026utm_source=bb\u0026utm_medium=seo\u0026utm_campaign=CROSS_SELL_IL_SS_BUTTON_17475","linkText":"Check FREE Credit Score"}},{"type":"header","data":{"text":"Equity Linked Savings Scheme (ELSS)\u0026nbsp;","level":2}},{"type":"paragraph","data":{"text":"\u003ca href=\"/mutual-fund/equity-linked-savings-scheme.html\" target=\"_blank\"\u003eEquity Linked Savings Scheme\u003c/a\u003e, also known as ELSS is a kind of mutual fund which comes with a lock in period of three years. In fact, this is the only scheme which has a shortest lock in period as compared to the other tax savings schemes in India. The amount invested in ELSS funds are taxable under Section 80C up to Rs.1.5 lakh per annum. The return earned on ELSS funds will be taxable because long term capital gains at a rate of 10%. Dividends from ELSS funds will be taxable at 10% under the Dividend Distribution Tax. ELSS funds have a significant long-term compounding potential because they invest at least 80% of their assets in equities (stocks). The minimum annual investment in ELSS funds in Rs.100, but vary from fund to fund.\u0026nbsp;"}},{"type":"list","data":{"style":"unordered","items":[{"content":"\u003cstrong\u003eInterest Rate: \u003c/strong\u003eInterest rate is not fixed\u0026nbsp;","items":[]},{"content":"\u003cstrong\u003eDuration: \u003c/strong\u003eThree years\u0026nbsp;","items":[]},{"content":"\u003cstrong\u003eMinimum Investment: \u003c/strong\u003eRs.100\u0026nbsp;","items":[]},{"content":"\u003cstrong\u003eMaximum Investment: \u003c/strong\u003eNone\u0026nbsp;","items":[]}]}},{"type":"list","data":{"style":"unordered","items":[{"content":"\u003cstrong\u003eDeduction on Principal: \u003c/strong\u003eYes\u0026nbsp;","items":[]},{"content":"\u003cstrong\u003eTax on Interest: \u003c/strong\u003e10% tax\u0026nbsp;","items":[]}]}},{"type":"cta","data":{"link":"https://www.bankbazaar.com/credit-score.html?variant=slide\u0026WT.mc_id=CROSS_SELL_IL_SS_BUTTON_17475\u0026utm_source=bb\u0026utm_medium=seo\u0026utm_campaign=CROSS_SELL_IL_SS_BUTTON_17475","linkText":"Check FREE Credit Score"}},{"type":"header","data":{"text":"Public Provident Fund (PPF)","level":2}},{"type":"paragraph","data":{"text":"The \u003ca href=\"/saving-schemes/ppf.html\" target=\"_blank\"\u003ePublic Provident Fund\u003c/a\u003e (PPF) scheme is one of the most popular and safest investment options that is available in the country. Under Section 80C of the \u003ca href=\"/tax/income-tax-act.html\" target=\"_blank\"\u003eIncome Tax Act\u003c/a\u003e, contributions made towards the scheme as well as the interest that is generated from the contributions are also\u003ca href=\"/tax/tax-exemption.html\" target=\"_blank\"\u003e tax exempt\u003c/a\u003e."}},{"type":"paragraph","data":{"text":"The scheme can be opened at post offices and banks, and the duration of the scheme is 15 years. Individuals are allowed to increase the duration of the scheme by a further 5 years. The rate of interest for the FY 2023-2024 is\u003cstrong\u003e 7.10%\u003c/strong\u003e p.a. and the interest is compounded on a yearly basis. Individuals must make a minimum contribution of Rs.500 and can make a maximum contribution of Rs.1.5 lakh on a yearly basis towards the scheme."}},{"type":"list","data":{"style":"unordered","items":[{"content":"\u003cstrong\u003eInterest Rate: \u003c/strong\u003eInterest rate changes every quarter. Presently it is \u003cstrong\u003e7.1%.\u0026nbsp;\u003c/strong\u003e","items":[]},{"content":"\u003cstrong\u003eDuration: \u003c/strong\u003eMinimum tenure of 15 years\u0026nbsp;","items":[]},{"content":"\u003cstrong\u003eMinimum Investment:\u003c/strong\u003e Rs.500 every year\u0026nbsp;","items":[]},{"content":"\u003cstrong\u003eMaximum Investment: \u003c/strong\u003eRs.1.5 lakh per year\u0026nbsp;","items":[]},{"content":"\u003cstrong\u003eDeduction on Principal: \u003c/strong\u003eYes\u0026nbsp;","items":[]}]}},{"type":"list","data":{"style":"unordered","items":[{"content":"\u003cstrong\u003eTax on Interest: \u003c/strong\u003eNot Taxable","items":[]}]}},{"type":"header","data":{"text":"Employees' Provident Fund (EPF)","level":2}},{"type":"paragraph","data":{"text":"The Employees' Provident Fund Organisation (\u003ca href=\"https://www.epfindia.gov.in/site_en/index.php\" target=\"_blank\" rel=\"nofollow\"\u003e\u003cstrong\u003eEPFO\u003c/strong\u003e\u003c/a\u003e)launched the EPF scheme with the main aim of helping employees save money for their retirement. It is mandatory for organisations with more than 20 employees to contribute towards the \u003ca href=\"/saving-schemes/epf.html\" target=\"_blank\"\u003eEPF\u003c/a\u003e scheme. The employee and employer each contribute\u003cstrong\u003e 12%\u003c/strong\u003e of the employee's \u003ca href=\"/tax/dearness-allowance.html\" target=\"_blank\"\u003eDearness Allowance\u003c/a\u003e (DA) and basic salary towards the scheme."}},{"type":"paragraph","data":{"text":"Employees can withdraw funds from the scheme in case of medical emergencies, construction of a house, buying a house or land, repayment of \u003ca href=\"https://www.bankbazaar.com/home-loan.html\" target=\"_blank\"\u003ehome loan\u003c/a\u003e, etc. The rate of interest of the scheme for 2023-2024 is \u003cstrong\u003e8.25% p.a\u003c/strong\u003e. The rate of interest is decided by the EPFO on a yearly basis."}},{"type":"header","data":{"text":"National Pension System (NPS)","level":2}},{"type":"paragraph","data":{"text":"The \u003ca href=\"/saving-schemes/nps.html\" target=\"_blank\"\u003eNPS\u003c/a\u003e was launched by the Central Government with the main aim of providing individuals a regular income after their retirement. Employees can avail\u0026nbsp;themselves of the benefits of the scheme by paying a small amount of premium. The interest rates offered under NPS scheme for FY 2023-2024 ranges between 4.00% to 9.00%. "}},{"type":"paragraph","data":{"text":"Employees will receive a lump sum amount at the time of their retirement as well as a certain percentage will be paid back as pension on a monthly basis after their retirement."}},{"type":"list","data":{"style":"unordered","items":[{"content":"\u003cstrong\u003eInterest Rate:\u003c/strong\u003e Based on returns of pension funds\u0026nbsp;","items":[]},{"content":"\u003cstrong\u003eDuration:\u003c/strong\u003e Till 60 years of age\u0026nbsp;","items":[]}]}},{"type":"list","data":{"style":"unordered","items":[{"content":"\u003cstrong\u003eMinimum Investment: \u003c/strong\u003eRs.1,000 per year\u0026nbsp;","items":[]},{"content":"\u003cstrong\u003eMaximum Investment:\u003c/strong\u003e NIL\u0026nbsp;","items":[]},{"content":"\u003cstrong\u003eDeduction on Principal: \u003c/strong\u003eYes\u0026nbsp;","items":[]},{"content":"\u003cstrong\u003eTax on Interest: \u003c/strong\u003eMaturity amount is partially taxable","items":[]}]}},{"type":"cta","data":{"link":"https://www.bankbazaar.com/credit-score.html?variant=slide\u0026WT.mc_id=CROSS_SELL_IL_SS_BUTTON_17475\u0026utm_source=bb\u0026utm_medium=seo\u0026utm_campaign=CROSS_SELL_IL_SS_BUTTON_17475","linkText":"Check FREE Credit Score"}},{"type":"header","data":{"text":"Sukanya Samriddhi Yojana Account (SSY)","level":2}},{"type":"paragraph","data":{"text":"The \u003ca href=\"/saving-schemes/sukanya-samriddhi-yojana-account.html\" target=\"_blank\"\u003eSukanya Samriddhi Yojana\u003c/a\u003e (\u003cstrong\u003eSSY\u003c/strong\u003e) scheme was launched by Prime Minister Narendra Modi to help secure the future of a girl child. The current rate of interest offered by the scheme is\u003cstrong\u003e 8.2%\u003c/strong\u003e for FY 2023-2024 and an SSY account can be opened at post offices or banks."}},{"type":"paragraph","data":{"text":"The minimum and maximum deposit that can be made in a year towards the scheme is Rs.250 and Rs.1.5 lakh, respectively. The account holder must make contributions towards the scheme for a duration of 14 years and the maturity period of the scheme is 21 years. Individuals can transfer the SSY account from banks to post offices and vice versa."}},{"type":"list","data":{"style":"unordered","items":[{"content":"\u003cstrong\u003eInterest Rate:\u003c/strong\u003e 8.2%\u0026nbsp;","items":[]},{"content":"\u003cstrong\u003eDuration: \u003c/strong\u003e21 years\u0026nbsp;","items":[]},{"content":"\u003cstrong\u003eMinimum Investment: \u003c/strong\u003eRs.1,000 per annum\u0026nbsp;","items":[]}]}},{"type":"list","data":{"style":"unordered","items":[{"content":"\u003cstrong\u003eMaximum Investment: \u003c/strong\u003eRs.1.5 lakh per annum\u0026nbsp;","items":[]},{"content":"\u003cstrong\u003eDeduction on Principal:\u003c/strong\u003e Yes\u0026nbsp;","items":[]},{"content":"\u003cstrong\u003eTax on Interest: \u003c/strong\u003eNIL\u0026nbsp;","items":[]}]}},{"type":"header","data":{"text":"Atal Pension Yojana (APY)","level":2}},{"type":"paragraph","data":{"text":"The main aim of the scheme is to help individuals who are below the poverty line. The scheme also benefits people who work in the unorganised sector and require financial support from the government. Individuals pay a very low premium towards the scheme and receive a pension after their retirement. However, it is mandatory that individuals have an active \u003ca href=\"https://www.bankbazaar.com/savings-account.html\" target=\"_blank\"\u003esavings account\u003c/a\u003e in order to avail benefits from the scheme."}},{"type":"paragraph","data":{"text":"Citizens between the ages of 18 years and 40 years can apply for the \u003ca href=\"/saving-schemes/atal-pension-yojana.html\" target=\"_blank\"\u003eAtal Pension Yojana\u003c/a\u003e scheme. Contributions towards the scheme must be made for a minimum duration of 20 years. Individuals must make very low contributions towards the scheme, however, if the contributions that are being made are high, the pension that is received will also be high. However, in case individuals opt for the Atal Pension Yojana scheme, they cannot opt for any other savings scheme."}},{"type":"header","data":{"text":"Voluntary Provident Fund (VPF)","level":2}},{"type":"paragraph","data":{"text":"Employees can opt for the \u003ca href=\"/saving-schemes/vpf.html\" target=\"_blank\"\u003eVPF\u003c/a\u003e scheme on a voluntary basis. Under the VPF scheme, employees are allowed to contribute their entire \u003ca href=\"/tax/basic-salary.html\" target=\"_blank\"\u003ebasic salary\u003c/a\u003e towards the scheme, unlike the EPF scheme, where only 12% of the basic salary can be contributed."}},{"type":"paragraph","data":{"text":"Any contributions made towards the VPF scheme will impact the EPF scheme and vice versa. The rate of interest that is generated from contributions made towards the scheme for the year 2024 is 8.15% p.a."}},{"type":"cta","data":{"link":"https://www.bankbazaar.com/credit-score.html?variant=slide\u0026WT.mc_id=CROSS_SELL_IL_SS_BUTTON_17475\u0026utm_source=bb\u0026utm_medium=seo\u0026utm_campaign=CROSS_SELL_IL_SS_BUTTON_17475","linkText":"Check FREE Credit Score"}},{"type":"header","data":{"text":"Kisan Vikas Patra (KVP)","level":2}},{"type":"paragraph","data":{"text":"The \u003ca href=\"/saving-schemes/kisan-vikas-patra.html\" target=\"_blank\"\u003eKisan Vikas Patra\u003c/a\u003e certificate scheme is offered by post offices in India. The rate of interest that is offered by the scheme at the moment is 7.25% and it is compounded on an annual basis. The minimum contribution that must be towards the scheme is Rs.1,000 and there is no maximum limit. Over the course of 112 months, the amount invested towards the scheme doubles."}},{"type":"paragraph","data":{"text":"Individuals are allowed to add nominees to the scheme and the certificate can be transferred from one individual to another and from one post office to another. Individuals are also allowed to encash the certificate after 30 months from when the certificate was issued."}},{"type":"list","data":{"style":"unordered","items":[{"content":"\u003cstrong\u003eInterest Rate: \u003c/strong\u003e7.5%\u0026nbsp;","items":[]},{"content":"\u003cstrong\u003eDuration: \u003c/strong\u003e115 months\u0026nbsp;","items":[]}]}},{"type":"list","data":{"style":"unordered","items":[{"content":"\u003cstrong\u003eMinimum Investment: \u003c/strong\u003eRs.1,000\u0026nbsp;","items":[]},{"content":"\u003cstrong\u003eMaximum Investment:\u003c/strong\u003e None\u0026nbsp;","items":[]},{"content":"\u003cstrong\u003eDeduction on Principal: \u003c/strong\u003eNIL\u0026nbsp;","items":[]},{"content":"\u003cstrong\u003eTax on Interest: \u003c/strong\u003eYes\u0026nbsp;","items":[]}]}},{"type":"header","data":{"text":"Senior Citizens Savings Scheme (SCSS)","level":2}},{"type":"paragraph","data":{"text":"The \u003ca href=\"/saving-schemes/senior-citizen-saving-scheme.html\" target=\"_blank\"\u003eSCSS\u003c/a\u003e was launched with the aim of helping individuals who are 60 years and above. Individuals who are between the ages of 55 years and 60 years and have chosen for Voluntary Retirement Scheme (VRS) can also avail the benefits of the SCSS."}},{"type":"paragraph","data":{"text":"The duration of the SCSS is 5 years and the rate of interest under the scheme is 8.20% p.a. for 2023. Individuals must invest a minimum of Rs.1,000 towards the scheme and the maximum investment that can be made is Rs.15 lakh. Individuals can also transfer their SCSS accounts from a post office to a bank and vice versa. Under \u003ca href=\"/tax/deductions-under-80c.html\" target=\"_blank\"\u003eSection 80C\u003c/a\u003e of the Income Tax Act, tax deductions are available for investments made towards the scheme."}},{"type":"list","data":{"style":"unordered","items":[{"content":"\u003cstrong\u003eInterest Rate: \u003c/strong\u003e8.2%\u0026nbsp;","items":[]},{"content":"\u003cstrong\u003eDuration:\u003c/strong\u003e Five years\u0026nbsp;","items":[]},{"content":"\u003cstrong\u003eMinimum Investment; \u003c/strong\u003eRs.1,000\u0026nbsp;","items":[]}]}},{"type":"list","data":{"style":"unordered","items":[{"content":"\u003cstrong\u003eMaximum Investment:\u003c/strong\u003e Rs.15 lakh\u0026nbsp;","items":[]},{"content":"\u003cstrong\u003eDeduction on Principal: \u003c/strong\u003eYes\u0026nbsp;","items":[]},{"content":"\u003cstrong\u003eTax on Interest: \u003c/strong\u003eYes\u0026nbsp;","items":[]}]}},{"type":"cta","data":{"link":"https://www.bankbazaar.com/credit-score.html?variant=slide\u0026WT.mc_id=CROSS_SELL_IL_SS_BUTTON_17475\u0026utm_source=bb\u0026utm_medium=seo\u0026utm_campaign=CROSS_SELL_IL_SS_BUTTON_17475","linkText":"Check FREE Credit Score"}},{"type":"header","data":{"text":"National Savings Certificate (NSC)","level":2}},{"type":"paragraph","data":{"text":"The \u003ca href=\"/saving-schemes/nsc.html\" target=\"_blank\"\u003eNSC\u003c/a\u003e scheme is one of the most popular schemes in India. Since the scheme is backed by the Indian Government, guaranteed returns and \u003ca href=\"/tax.html\" target=\"_blank\"\u003etax benefits\u003c/a\u003e are provided. The duration of the scheme is 5 years and individuals can invest in the scheme at post offices. The Indian Government decides the interest rates of the scheme on a quarterly basis."}},{"type":"paragraph","data":{"text":"The rate of interest of the scheme for \u003cstrong\u003eFY 2023-2024\u003c/strong\u003e is \u003cstrong\u003e7.70%\u003c/strong\u003e. The interest that is generated is compounded on an annual basis. The minimum contribution that must be made towards the scheme is Rs.100 and there is no limit to the amount of contribution that can be made. Under Section 80C of the Income Tax Act, individuals are eligible for tax benefits on the contribution they make towards the scheme. Individuals are also allowed to transfer the certificate to another person's name. However, this can be done only once."}},{"type":"list","data":{"style":"unordered","items":[{"content":"\u003cstrong\u003eInterest Rate:\u003c/strong\u003e 7.7%\u0026nbsp;","items":[]},{"content":"\u003cstrong\u003eDuration:\u003c/strong\u003e Five years\u0026nbsp;","items":[]},{"content":"\u003cstrong\u003eMinimum Investment: \u003c/strong\u003eRs.100\u0026nbsp;","items":[]}]}},{"type":"list","data":{"style":"unordered","items":[{"content":"\u003cstrong\u003eMaximum Investment: \u003c/strong\u003eNone\u0026nbsp;","items":[]},{"content":"\u003cstrong\u003eDeduction on Principal: \u003c/strong\u003eYes\u0026nbsp;","items":[]},{"content":"\u003cstrong\u003eTax on Interest: \u003c/strong\u003eNo\u0026nbsp;","items":[]}]}},{"type":"header","data":{"text":"Post Office Savings Scheme","level":2}},{"type":"paragraph","data":{"text":"The various savings schemes that are offered by India Post are very popular as the risks are very minimal and most of the schemes provide guaranteed returns.The interest rate offered under the \u003ca href=\"https://www.bankbazaar.com/saving-schemes/post-office-savings-account.html\" target=\"_blank\"\u003ePost Office Saving Scheme \u003c/a\u003eis 4.00% as of 1 January 2023. The process to open any \u003cstrong\u003esaving schemes\u003c/strong\u003e accounts at the post office is simple and quick. The many good features offered by the schemes also make them popular."}},{"type":"list","data":{"style":"unordered","items":[{"content":"\u003cstrong\u003eInterest Rate: \u003c/strong\u003e4%\u0026nbsp;","items":[]},{"content":"\u003cstrong\u003eDuration: \u003c/strong\u003eNone\u0026nbsp;","items":[]},{"content":"\u003cstrong\u003eMinimum Investment:\u003c/strong\u003e Rs.50\u0026nbsp;","items":[]},{"content":"\u003cstrong\u003eMaximum Investment: \u003c/strong\u003eNone\u0026nbsp;","items":[]},{"content":"\u003cstrong\u003eDeduction on Principal:\u003c/strong\u003e No\u0026nbsp;","items":[]}]}},{"type":"list","data":{"style":"unordered","items":[{"content":"\u003cstrong\u003eTax on Interest:\u003c/strong\u003e Yes\u0026nbsp;","items":[]}]}},{"type":"cta","data":{"link":"https://www.bankbazaar.com/credit-score.html?variant=slide\u0026WT.mc_id=CROSS_SELL_IL_SS_BUTTON_17475\u0026utm_source=bb\u0026utm_medium=seo\u0026utm_campaign=CROSS_SELL_IL_SS_BUTTON_17475","linkText":"Check FREE Credit Score"}},{"type":"header","data":{"text":"Post Office Recurring Deposit Account\u0026nbsp;","level":2}},{"type":"paragraph","data":{"text":"You make a fixed monthly contribution into this account, and each installment grows in value. The account offers an annual compound interest rate of \u003cstrong\u003e6.5%\u003c/strong\u003e. This \u003ca href=\"/recurring-deposit/post-office-recurring-deposit.html\" target=\"_blank\"\u003ePost Office Recurring Deposit account\u003c/a\u003e has a fixed 5-year term, but it can be renewed for another five or ten-year period. The smallest payment is Rs.10. In this account, there is no set maximum investment amount. This plan does not provide a tax break, and the interest it accrues is entirely taxable.\u0026nbsp;"}},{"type":"list","data":{"style":"unordered","items":[{"content":"\u003cstrong\u003eInterest Rate:\u003c/strong\u003e 6.5%\u0026nbsp;","items":[]},{"content":"\u003cstrong\u003eDuration:\u003c/strong\u003e Five years\u0026nbsp;","items":[]}]}},{"type":"list","data":{"style":"unordered","items":[{"content":"\u003cstrong\u003eMinimum Investment:\u003c/strong\u003e Rs.10\u0026nbsp;","items":[]},{"content":"\u003cstrong\u003eMaximum Investment: \u003c/strong\u003eNone\u0026nbsp;","items":[]},{"content":"\u003cstrong\u003eDeduction on Principal:\u003c/strong\u003e No\u0026nbsp;","items":[]},{"content":"\u003cstrong\u003eT\u003c/strong\u003e\u003cstrong\u003eax on Interest: \u003c/strong\u003eYes\u0026nbsp;","items":[]}]}},{"type":"header","data":{"text":"Mahila Samman Bachat Patra\u0026nbsp;","level":2}},{"type":"paragraph","data":{"text":"In order to celebrate the Azadi Ka Amrit Mahotsav, government has come up with a one time new small savings scheme named\u003ca href=\"https://www.bankbazaar.com/saving-schemes/mahila-samman-savings-certificate.html\" target=\"_blank\"\u003e Mahila Samman Bachat Patra\u003c/a\u003e. The scheme offers a deposit facility of up to Rs.2 lakhs for girls or women at a rate 7.5% along with a partial withdrawal option.\u0026nbsp;"}},{"type":"list","data":{"style":"unordered","items":[{"content":"\u003cstrong\u003eInterest Rate: \u003c/strong\u003e7.5%\u0026nbsp;","items":[]},{"content":"\u003cstrong\u003eDuration: \u003c/strong\u003eTwo years\u0026nbsp;","items":[]},{"content":"\u003cstrong\u003eMaximum Investment: \u003c/strong\u003eRs.2 lakh\u0026nbsp;","items":[]}]}},{"type":"cta","data":{"link":"https://www.bankbazaar.com/credit-score.html?variant=slide\u0026WT.mc_id=CROSS_SELL_IL_SS_BUTTON_17475\u0026utm_source=bb\u0026utm_medium=seo\u0026utm_campaign=CROSS_SELL_IL_SS_BUTTON_17475","linkText":"Check FREE Credit Score"}},{"type":"header","data":{"text":"The savings schemes that are offered by India Post are mentioned below:","level":3}},{"type":"list","data":{"style":"unordered","items":[{"content":"\u003ca href=\"/saving-schemes/post-office-savings-account.html\" target=\"_blank\"\u003ePost Office Savings Account\u003c/a\u003e","items":[]},{"content":"National Savings Time Deposit Account","items":[]},{"content":"\u003ca href=\"https://www.bankbazaar.com/saving-schemes/senior-citizen-saving-scheme.html\" target=\"_blank\"\u003eSenior Citizens Savings Scheme\u003c/a\u003e Account","items":[]},{"content":"\u003ca href=\"https://www.bankbazaar.com/saving-schemes/nsc.html\" target=\"_blank\"\u003eNational Savings Certificate\u003c/a\u003e Account","items":[]},{"content":"\u003ca href=\"https://www.bankbazaar.com/saving-schemes/sukanya-samriddhi-yojana-account.html\" target=\"_blank\"\u003eSukanya Samriddhi\u003c/a\u003e Account","items":[]},{"content":"National Savings \u003ca href=\"/recurring-deposit.html\" target=\"_blank\"\u003eRecurring Deposit Account\u003c/a\u003e","items":[]},{"content":"National Savings Monthly Income Account","items":[]},{"content":"\u003ca href=\"/saving-schemes/ppf.html\" target=\"_blank\"\u003ePublic Provident Fund\u003c/a\u003e Account","items":[]},{"content":"\u003ca href=\"/saving-schemes/kisan-vikas-patra.html\" target=\"_blank\"\u003eKisan Vikas Patra\u003c/a\u003e Account","items":[]}]}},{"type":"cta","data":{"link":"https://www.bankbazaar.com/credit-score.html?variant=slide\u0026WT.mc_id=CROSS_SELL_IL_SSFAQ_BUTTON_17475\u0026utm_source=bb\u0026utm_medium=seo\u0026utm_campaign=CROSS_SELL_IL_SSFAQ_BUTTON_17475","linkText":"Check FREE Credit Score"}}],"news":{"title":"News about Saving Schemes","items":[{"updatedOn":"2024-03-12","article":[{"data":{"text":"The Senior Citizen Savings Scheme (SCSS) interest rate for the April-June 2024 quarter has been maintained at 7.4%. This rate remains unchanged from the previous quarter, offering stability to senior citizens seeking secure investment avenues. The SCSS is a government-backed savings scheme tailored for individuals aged 60 years and above, providing them with regular income post-retirement. With a maximum investment limit of Rs.15 lakh per individual, the scheme offers quarterly interest payouts to subscribers. The SCSS interest rate, which is fixed quarterly, continues to offer competitive returns compared to other fixed-income investment options available in the market. This announcement provides assurance to senior citizens and investors regarding the consistency and reliability of returns offered by the SCSS.\u0026nbsp;"},"type":"paragraph"},{"data":{"text":"The government has announced the interest rates for various small savings schemes for the April-June quarter. The rates for Public Provident Fund (PPF) remain unchanged at 7.1%. However, the interest rate for the Sukanya Samriddhi Account Scheme has been reduced from 7.6% to 7.4%. Rates for other schemes like National Savings Certificate (NSC) and Kisan Vikas Patra (KVP) remain constant at 6.8% and 6.9%, respectively. These small savings schemes continue to offer competitive returns to investors, contributing to their popularity among individuals seeking secure investment options.\u0026nbsp;"},"type":"paragraph"}],"title":"Government hikes interest rates for SS schemes "},{"updatedOn":"2024-02-12","article":[{"data":{"text":"On 10 February 2024, the Employees’ Provident Fund Organisation increased the interest rate on provident fund deposits to 8.25% for 2023-24, up from 8.15% the previous year and 8.10% in 2021-22. This hike is helpful to over 65 million EPFO subscribers, driven by robust financial returns, notably from equity investments.\u0026nbsp;"},"type":"paragraph"}],"title":"Employee Provident Fund Organization sets 8.25% EPF interest rate for FY 23-24 "}]},"hideOfferTable":true,"showTOC":false,"showUpdatedOn":false,"faqs":{"title":"FAQs on Saving Schemes in India","items":[{"question":"Which government-based saving schemes offers the highest interest rate? ","answer":[{"type":"paragraph","data":{"text":"You can invest in Senior Citizen Savings Scheme (SCSS) as you can earn interest of up to 8% on your deposits.\u0026nbsp;"}}]},{"question":"How are accounts and certificates transferred? ","answer":[{"type":"paragraph","data":{"text":"The depositor must submit an application in the required form SB 10(B)/NC-32 together with a passbook and KYC papers for the transfer of accounts or certificates. Either the transferring office or the transferee office may submit a transfer application. Nonetheless, the relevant Head Post Offices will handle the transfer process.\u0026nbsp;"}}]},{"question":"Can a joint post office savings account be opened? ","answer":[{"type":"paragraph","data":{"text":"Yes, a joint post office savings account can be opened.\u0026nbsp;"}}]},{"question":"Can interest from the Monthly Income Scheme (MIS) be credited to a recurring deposit account (RD)? ","answer":[{"type":"paragraph","data":{"text":"There is no provision for MIS interest payments to be sent to the SB account. Standing orders may be issued for the SB to RD transfer of funds. The appropriate Post Office must receive a prescribed application form.\u0026nbsp;"}}]},{"question":"Are netbanking /mobile banking facilities available in Post Office Savings Accounts? ","answer":[{"type":"paragraph","data":{"text":"Customers of CBS Post Offices with Post Office Savings Accounts have access to intraoperative netbanking and mobile banking features. This will operate within the DoP network for POSB.\u0026nbsp;"}}]},{"question":"How can a silent account be revived and what is it? ","answer":[{"type":"paragraph","data":{"text":"A silent account is one in which neither a deposit nor a withdrawal has occurred for three full financial years.\u0026nbsp;\u0026nbsp;One application from the customer with KYC documentation is needed for resurrection. The accounts will be revived by the relevant HO."}}]}]},"interLinks":{"asLeftNav":true,"items":[{"title":"Important pages from Saving Schemes","items":[{"title":"Employee Provident Fund","link":"/saving-schemes/epf.html","text":"EPF"},{"title":"Employee Provident Fund Balance","link":"/saving-schemes/how-to-check-your-epf-balance-online.html","text":"EPF Balance"},{"title":"Provident Fund Withdrawal Rules","link":"/saving-schemes/pf-withdrawal-rules.html","text":"PF Withdrawal Rules"},{"title":"Employee Provident Fund Passbook","link":"/saving-schemes/epf-e-passbook.html","text":"EPF Passbook"},{"title":"Provident Fund Status","link":"/saving-schemes/how-to-check-pf-status-online.html","text":"PF Status"},{"title":"PF Claim Status","link":"/saving-schemes/all-about-epf-claim-status.html","text":"EPF Claim Status"},{"title":"Universal Account Number","link":"/saving-schemes/uan.html","text":"UAN"},{"title":"Universal Account Number Registration","link":"/saving-schemes/know-about-epfo-universal-account-number.html","text":"UAN Registration"},{"title":"Universal Account Number Login","link":"/saving-schemes/how-to-access-uan-account-after-changing-mobile-number.html","text":"UAN Login"},{"title":"Employee Provident Fund Organization Login","link":"/saving-schemes/how-to-login-to-epfo-member-portal.html","text":"EPFO Login"},{"title":"PF Balance Number","link":"/saving-schemes/how-to-check-epf-balance-sms.html","text":"PF Balance Number"},{"title":"Public Provident Fund","link":"/saving-schemes/ppf.html","text":"PPF"},{"title":"National Pension Scheme","link":"/saving-schemes/nps.html","text":"NPS"},{"title":"National Pension Scheme Calculator","link":"/saving-schemes/nps-calculator.html","text":"NPS Calculator"},{"title":"Sukanya Samriddhi Yojana Account","link":"/saving-schemes/sukanya-samriddhi-yojana-account.html","text":"Sukanya Samriddhi Yojana Account"},{"title":"Sukanya Samriddhi Calculator","link":"/saving-schemes/sukanya-samriddhi-account-calculator.html","text":"Sukanya Samriddhi Calculator"},{"title":"Atal Pension Yojana","link":"/saving-schemes/atal-pension-yojana.html","text":"Atal Pension Yojana"},{"title":"Pradhan Mantri Jan Dhan Yojana","link":"/saving-schemes/pradhan-mantri-jan-dhan-yojana.html","text":"PMJDY"},{"title":"Zero Balance Account through PM Jan Dhan Yojana","link":"/saving-schemes/zero-balance-account-through-pm-jan-dhan-yojana.html","text":"Zero Balance Account through PMJDY"},{"title":"Pradhan Mantri Vaya Vandana Yojana","link":"/saving-schemes/pradhan-mantri-vaya-vandana-yojana.html","text":"PMVVY"},{"title":"Voluntary Provident Fund","link":"/saving-schemes/vpf.html","text":"VPF"},{"title":"Kisan Vikas Patra","link":"/saving-schemes/kisan-vikas-patra.html","text":"Kisan Vikas Patra"},{"title":"Senior Citizen Savings Scheme","link":"/saving-schemes/senior-citizen-saving-scheme.html","text":"SCSS"},{"title":"National Savings Certificate","link":"/saving-schemes/nsc.html","text":"NSC"}]}]},"updatedOn":"23 Nov 2024","ogImage":{"src":"https://static.bankbazaar.com/images/social-share/bb-social-share-v1.jpg"}},"contextData":{"namespace":"saving-schemes","productType":"ALL","categoryType":"SAVING_SCHEME","deviceType":"DESKTOP"}}},"actionData":null,"errors":null}};</script><script type="module" async="">import "/lp-assets/manifest-f1a2314f.js"; import * as route0 from "/lp-assets/root-DJnZuezO.js"; import * as route1 from "/lp-assets/route-BAfJONhu.js"; window.__remixRouteModules = {"root":route0,"routes/default/route":route1}; import("/lp-assets/entry.client-DcW77Zik.js");</script><script id="_webengage_script_tag" type="text/javascript"> function initializeWebEngage() { ! function(w, e, b, n, g) { function o(e, t) { e[t[t.length - 1]] = function() { r.__queue.push([t.join("."), arguments]) } } var i, s, r = w[b], z = " ", l = "init options track screen onReady".split(z), a = "feedback survey notification".split(z), c = "options render clear abort".split(z), p = "Open Close Submit Complete View Click".split(z), u = "identify login logout setAttribute".split(z); if (!r || !r.__v) { for (w[b] = r = { __queue: [], __v: "6.0", user: {} }, i = 0; i < l.length; i++) o(r, [l[i]]); for (i = 0; i < a.length; i++) { for (r[a[i]] = {}, s = 0; s < c.length; s++) o(r[a[i]], [a[i], c[s]]); for (s = 0; s < p.length; s++) o(r[a[i]], [a[i], "on" + p[s]]) } for (i = 0; i < u.length; i++) o(r.user, ["user", u[i]]); setTimeout(function() { var f = e.createElement("script"), d = e.getElementById("_webengage_script_tag"); f.type = "text/javascript", f.async = !0, f.src = ("https:" == e.location.protocol ? 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