Undoubtedly, safekeeping and long-term investments are among the safest and most reputed options in India, thanks to government backing. Some tax benefits apply to them as well. Plus, tax benefits, plus guaranteed returns—and secure financial security. Of course, some schemes deserve your attention when planning your investments for 2025. At Untoldnow, we bring this knowledgeable blog to inform you about the top government schemes worth investing in this year.
Contents
1. Public Provident Fund (PPF)
PPF is regarded as one investment for a long duration with a decent return. Backed by the Government of India, it offers a decent interest rate (revised quarterly) and returns that are tax-free. Minimum investment is Rs. 500, and the maximum is Rs. 1.5 lakh per annum. In PPF lock-in period is 15 years, and withdrawals are allowed after 7 years.
Key Benefits:
- Tax deduction under Section 80C
- Completely risk-free
- Interest and maturity amount are tax-free
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2. National Pension System (NPS)
With the aim of facilitating retirement savings, the National Pension System is a voluntary long-term investment scheme that enjoys regulation from the PFRDA. Therefore, investments can be made by salaried persons as well as self-employed persons.
Key Benefits:
- Tax benefit under Sections 80C and 80CCD(1B)
- Market returns
- Conferring the option of choosing the portfolio to be invested in and choosing the pension plan managers
3. Sukanya Samriddhi Scheme (SSY)
It is a scheme meant for the girl child and can be opened by parents or guardians for the girl child below 10 years of age. Since this plan provides maximum interest with tax-free returns, it makes it one of the best options for her education and marriage-related expenses.
Key benefits:
- Tax deduction under Section 80C
- It provide Higher rate of interest compared to other saving options.
- Maturity is when a girl attains 21 years of age or after marriage on attaining 18 years
4. Senior Citizen Savings Scheme (SCSS)
The SCSS is a good alternative for senior citizens. It provides a regular income and has a maturity period of 5 years, which can be extended.
Key Benefits:
- Safe and government-backed
- Attractive rates of interest (higher than FD)
- Tax Benefits under Section 80C
5. RBI Floating Rate Savings Bonds
These seven-year bonds are for those investors who wish to earn a fixed rate of interest with interest payments at regular intervals. The interest rate is changed every 6 months and was linked to NSC rates.
Key Benefits:
- Backed by the Government of India
- Maximum amount limit of investment is not fixed.
- Semi-annual interest payout
Conclusion
In case you are thinking about retirement or your child’s future or just looking for safe investment options, these government schemes grant you safety and returns. Select the one that suits your financial goals. Untoldnow brings to you a curated list—of sorts—to help you make smarter financial decisions in 2025.
