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There's a plethora of financial schemes available in India that provide you guaranteed returns, tax savings, high interest rates and other benefits under various sections of the Indian Income Tax Act.
Apart from providing you monetary growth, these financial plans provide you with financial security at various stages in your life.
What are your requirements, short term or long term planning?
How much risk can you take? Do you wish for assured returns? [Lower the risk, lower the returns.]
How would you like to invest? [One time lump sum or regular investments]
How much do you know about the product?
As an example, if you are looking for short term savings then you can invest your money in post offices, government bonds, mutual funds, and if you are concentrating on long term savings, then public provident funds (PPF ), life insurance, long term bank deposits (FDs, RDs) can help you.
Bank Savings
Bank Fixed Deposits [Term Deposit]
In a Fixed Deposit Saving Scheme a certain amount of money is deposited in the bank for a specified period at a fixed rate of interest.
When you want to invest your hard earned money for a longer period and get a regular income, a Fixed Deposit Scheme is ideal. It is safe, liquid and fetches high returns.
Loan / Overdraft facility is available against bank fixed deposits. Now many banks don't charge premature withdrawals.
Recurring Deposits
Under a Recurring Bank Deposit Saving Scheme, an investor invests a specific amount in a bank on a monthly basis for a fixed rate of return. The deposit has a fixed tenure, at the end of which you get your principal amount as well as the interest earned during that period.
Recurring Deposit provides you the element of compulsion to save at high rates of interest applicable to Term Deposits along with liquidity to access that savings any time.
Government Tax Savings
RBI Bonds or RBI Relief Bonds
RBI Bonds are tax saving bonds that have a special provision that allow the investor to save on tax. These Bonds are instruments that are issued by the RBI.
The interest is compounded half-yearly. Maturity period of RBI Bonds is five years, and interest received is tax-free in the hands of the investor.
Post Office Savings
Post Office Time Deposits
Post Office Recurring Deposits
Post Office Monthly Income Scheme [Post office MIS ]
National Savings Certificates [NSC ]
National Savings Scheme [NSS]
Kisan Vikas Patra - [KVP ]
Public Provident Funds [PPF ]
Other Savings
1. Infrastructure Bonds
Infrastructure bonds are available through issues of ICICI and IDBI, brought out in the name of ICICI Safety Bonds and IDBI Flexibonds. These provide tax-saving benefits under Section 88 of the Income Tax Act, 1961, for the investor. You can reduce your tax liability by upto Rs 16,000 per annum
2. Company Fixed Deposits
Fixed deposits in companies that earn a fixed rate of return over a period of time are called Company Fixed Deposits. Financial institutions and Non-Banking Finance Companies (NBFCs) also accept such deposits.
3. Life Insurance:
Life insurance saving schemes for government owned Life Insurance Corporation of India and other private life insurance companies like Bajaj Allianz, Birla Sun Life Insurance, HDFC Life Insurance, and ICICI Prudential
Investment & Savings schemes offered by the Private Sector:
The private sector offers a plethora of investment & savings schemes. Some of these are listed below:
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