Discover safe, government-backed investment options that fit your profile.
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⚠️ Disclaimer: This tool is for educational purposes only. It provides general guidance and is not financial advice. Please consult a certified financial planner for personalized recommendations.
India has several government-backed savings and investment schemes with tax benefits. This tool helps you understand which schemes might fit your age, goals, and preferences. It is an educational overview, not a recommendation to invest.
💡 Meera learns that PPF offers safe, tax-free returns with 15-year lock-in, while NPS gives extra tax benefits but locks until 60. ELSS has only 3-year lock-in but market risk.
Public Provident Fund is a 15-year government scheme with tax-free returns. You can invest up to ₹1.5L/year and claim 80C deduction. Very safe but long lock-in.
National Pension System is a retirement scheme. You get extra tax benefit (₹50k under 80CCD1B) beyond 80C. But 40% must be used for pension at retirement.
Senior Citizens Savings Scheme is for people 60+. It offers regular income with government safety. 5-year tenure, can be extended.
Partial withdrawal is allowed after 7 years. Full withdrawal only at maturity (15 years). You can extend in 5-year blocks.
PPF is safer with tax-free returns but 15-year lock-in. NPS has market exposure and extra tax benefits but locks until 60. Choose based on your goals.
⚠️ Disclaimer: This is an educational overview. Scheme details, rates, and rules may change. Always verify on official government portals before investing.
