Best Scheme in India – Get 7.7% to 8.2% interest on high return, Here's How

The state and central governments are actively working to make women self-reliant through various schemes designed to promote financial independence. These initiatives are benefiting millions of women across the country. If you’re considering and earning good returns, there are several government-backed schemes that provide excellent opportunities. Here are some of the top schemes for women to invest in:

1. Mahila Samman Savings Certificate Scheme

The Mahila Samman Savings Certificate Scheme is a great option for women looking to invest for the short term. This scheme has a two-year investment tenure, offering a competitive 7.5% interest rate. It’s an ideal choice for women who want better returns on their savings.

2. Post Office Fixed Deposit (FD) Scheme

The Post Office offers 1, 2, 3, and 5-year FD options. If you choose the five-year FD, you will receive an interest rate of 7.5%. Additionally, investments in the five-year FD are eligible for tax benefits, making it a smart choice for those looking for secure and tax-saving investment options.

3. Kisan Vikas Patra

For those willing to invest for the long term, Kisan Vikas Patra (KVP) is an excellent scheme. Your investment will double in 115 months under this scheme, with an interest rate of 7.5%. It is ideal for individuals looking for long-term wealth creation.

4. National Savings Certificate (NSC) Scheme

The National Savings Certificate (NSC) is another post office scheme with a five-year investment term. Currently, it offers an attractive 7.7% interest rate. NSC is a safe and reliable investment for those looking for steady returns.

5. Senior Citizen Savings Scheme (SCSS)

For senior citizens, the Senior Citizen Savings Scheme (SCSS) is a great option, offering a high interest rate of 8.2%. The investment period is for five years, and it provides senior citizens with the opportunity to earn more from their savings.

6. Sukanya Samriddhi Yojana (SSY)

The government has launched the Sukanya Samriddhi Yojana (SSY) for the benefit of girl children. Investments in this scheme are made for 15 years, and it matures when the girl reaches 21 years of age. The annual investment can range from Rs 250 to Rs 1.5 lakh, and the scheme offers an impressive interest rate of 8.2%. It’s a long-term investment plan aimed at securing the future of daughters.

These schemes provide women with various options to invest in, offering both short-term and long-term benefits with attractive interest rates. Whether you’re planning for your own financial security or your family’s future, these government-backed schemes offer reliable and rewarding opportunities.