Government schemes offer secure returns, tax benefits, and long-term growth. Explore top small investment plans for women/housewives in 2025 including Senior Citizen Savings Scheme, National Penstion Scheme, Lakhpati Didi, and Sukanya Samriddhi Yojana. Let us explore the best government schemes to invest in this year.
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Best Government Investment Schemes in India
Here is a list of some of the best government saving schemes that an investor can look forward to in the year 2025:
| Scheme Name | Current Interest Rate | Lock-in Period | Min. Investment | Max. Investment |
|---|---|---|---|---|
| Atal Pension Yojana (APY) | 8.00% | Till age 60 | ₹1,000/year | Varies by pension amount |
| Post Office Monthly Income Scheme (POMIS) | 7.40% | 5 years | ₹1,000 | Varies by account type |
| Kisan Vikas Patra (KVP) | 7.50% | 115 months (approx.) | ₹1,000 | No limit |
| National Pension Scheme (NPS) | 9-15% (market-linked) | Till retirement | ₹500/month | No limit |
| National Savings Certificate (NSC) | 7.70% | 5 years | ₹1,000 | No limit |
| Public Provident Fund (PPF) | 7.10% | 15 years | ₹500/year | ₹1.5 lakh/year |
| Employees’ Provident Fund (EPF) | 8.25% | Till retirement | Varies | No limit |
| Senior Citizens Savings Scheme (SCSS) | 8.20% | 5 years | ₹1,000 | ₹15 lakh |
| Sukanya Samriddhi Yojana (SSY) | 8.20% | Till girl’s marriage/21 yrs | ₹250/year | ₹1.5 lakh/year |
| Post Office Savings Account (SB) | 4.00% | No lock-in | ₹500 (varies) | No limit |
| National Savings Recurring Deposit (RD) | 6.70% | Varies (min. 6 months) | ₹100/month | No limit |
| National Savings Time Deposit (TD) | 6.90%-7.50% (by tenure) | 1-5 years | ₹1,000 | No limit |
| Mahila Samman Savings Certificate | 7.50% | 2 years | ₹1,000 | ₹2 lakh |
| RBI Floating Rate Saving Bonds | 8.05% | 7 years | ₹1,000 | No limit |
| Municipal Bonds | 6-10% (varies) | Varies | Varies | Varies |
Atal Pension Yojana (APY)
The Atal Pension Yojana (APY) is a government-backed pension scheme that provide fixed monthly pension to workers in the unorganized sector. It encourages individuals to save for their retirement systematically.
Kisan Vikas Patra (KVP)
Kisan Vikas Patra is another Government Investment Schemes. The amountt invested in Kisan Vikas Patra (KYP) doubles in 115 months at the present rate. Currently, it is one of the most popular savings schemes launched by the government of India.
National Pension Scheme (NPS)
The National Pension Scheme (NPS) is a government-backed retirement scheme. Any citizen of India, whether resident or non-resident can join these scheme.
Best Saving Schemes for Ladies
Several savings schemes for women are available in the market. Let us see the features and benefits of each scheme in detail
Mahila Samman Savings Scheme
- Interest Rate: Currently 7.5% per annum, compounded quarterly.
- Eligibility: Available to Indian women and girls.
- Tenure: 2 years.
- Tax Benefits: Interest earned is tax-free.
- Flexibility: Allows flexibility in investment amounts for women investors.
This short-term post office scheme is designed especially for women. The scheme offers fixed interest of 7.5% annum with flexible investment. The tenure of the scheme is two years. Housewives can invest up to ₹2 lakh under this scheme.
Sukanya Samriddhi Yojana
- Interest Rate: Currently 8.20% per annum, compounded annually.
- Eligibility: Only for girls under the age of 10.
- Tax Benefits: Contributions are eligible for deductions under Section 80C.
- Tenure: 21 years or until marriage after the age of 18.
- Partial Withdrawals: Allowed after the girl turns 18 for education.
Sukanya Samriddhi Yojana (SSY) is a government scheme. This is a child education plan specially designed for girls and is the best investment plan for women. The Sukanya Samriddhi Yojana offers a high interest rate of 8.2%. The scheme offers tax benefits under Section 80C.
Pradhan Mantri Matru Vandana Yojana
Pradhan Mantri Matru Vandana Yojana (PMMVY) is a Centrally Sponsored flagship scheme by the Ministry of Women and Child Development. It’s not an investment, it offers financial assistance of ₹5,000 for the pregnent woment first child that can be channelled into savings plans for housewives.
Summary
There are many other schemes offered by the Government of India for Investment. These saving and investing money to reduce stress after one’s retirement. Government Schemes are safe investments with guaranteed returns for retirement planning.