Maturity A PPF fund matures in a span of 15 years. Partial withdrawals are allowed after five years of the account opening. Taxation Investment in PPF is tax-free. Interest earned on your investment is also tax-free. Availability The certificate can be readily bought at Indian public banks, some private banks and all post offices. You can invest any amount in the multiple of in 12 installments in one financial year or the desired deposit at once.
No upper limit on investment. Return on Investment Interest compounds annually at the rate announced by the Ministry of Finance every quarter. Interest is paid at the end of the maturity period. Maturity NSC has a lock-in period of five years. Premature withdrawal is possible in cases such as the passing away of the certificate holder. Taxation: Investment up to INR 1. Interest every year is considered as reinvestment and not taxed, but the final chunk of interest will be taxed as per your regular tax slab.
Risk Level: Low to nil Post Office Monthly Income Scheme The scheme provides account holders to receive benefits on the interest earned on the lump-sum deposit that are payable every month. The government-backed scheme offers 6. Maturity Account can be closed after five years from the date of opening. However, premature closure before one year is not allowed. Nominees can file a claim if the depositor dies before the maturity period.
Return on Investment The scheme offers an interest rate of 6. Taxation Interest earned on the deposit is taxable. Risk Level: Nil to Low Government Bonds The Indian government has opened direct purchase of bonds for individual investors, who could earlier trade in government bonds only via gilt mutual funds, to encourage domestic participation in the sovereign bond market. Availability The government announces its bond offering ahead of the date of auction. Both the state governments and the Central government issue these bonds.
The bonds issued by the State are known as State Development Loans, and the ones issued by the Center are known as G-Secs or just government bonds. You must have a bank account at a bank to purchase government bonds. You can hold government bonds in a demat account.
Investment Amount The price of the bond is also announced at the time of the bond announcement by the government. The other way is to participate through a commercial bank listed by the government for that purpose or a primary dealer. For that, you will have to open a securities account. You can buy it through stock exchanges as well.
Broking platforms can also be used for buying it. You can also invest in government securities mutual funds. These funds invest in government bonds. Return on Investment Most government bonds are fixed rate bonds, which means the interest rate is fixed for the entire tenure of the bond till maturity. Depending on the coupon rate determined at the time of purchase of the bond, you get a half-yearly interest for the stipulated bond holding period.
Any capital gain or capital loss when the bond is sold or matures. Income from reinvestment of the interest payments that is interest-on-interest. Maturity The maturity period of a government bond can be a year or more depending on the offering. Any price increase in the value of the bond will also be regarded as capital gains and taxed accordingly. Risk Level: Low to nil National Pension Scheme NPS The National Pension Scheme is for those who intend to build a robust retirement fund by investing their savings into a government-monitored pension fund that invests in diversified stock market portfolios including government bonds, corporate debentures and shares.
The returns or the accumulated pension wealth made on such investments are used to purchase a life annuity and a portion is available for withdrawal at the end of the scheme cycle. An account can be opened by visiting an authorized bank or any of its branches called point of presence POP appointed by the Pension Fund Regulatory and Development Authority.
Alternatively, by visiting the eNPS web portal. After a request for opening an account, you receive a digit number and a permanent retirement account is created. To keep the account active, you have to deposit at least INR 1, in a financial year.
No upper limit on how much you can invest per year. You cannot withdraw your invested amount until age Return on Investment Returns are calculated on the basis of the net asset value declared by the pension funds of various banks. They are not predetermined and depend on how your investment has fared through the years. Returns earned on NPS tier I accounts are exempted from tax. An online account can be opened by visiting the eNPS portal.
No maximum limit on how much you want to invest. Each year, you decide how much of your money you want to invest in the four asset classes available: government bonds, corporate bonds, equities and alternative assets. Investment has no lock-in period. Return on Investment Return on your investment is not predetermined.
It depends on the net asset value declared by pension funds in each investment cycle. Taxation There are no tax benefits and income from it is taxed as per your tax slab. Only government employees get tax benefits if they keep their investment locked for three years.
They are issued in multiples of gram s of gold with a minimum investment of 1 gram. Availability SBGs are open for auction on dates announced by the central government. These bonds are issued by the RBI multiple times a year. You can buy SGBs from banks, post offices, stock brokerage companies both online and offline.
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