These government schemes are giving more profit than FD, strong interest up to 8.2%, start investing today. – ..

News India Live, Digital Desk: If you want to keep your money safe and get higher returns on it than bank fixed deposits (FD), then this news is of great use to you. In the year 2026, where on an average, big government and private banks will offer 5 year FD 6.5% to 7.5% While paying interest up to Rs. 1000, some special savings schemes of the government 8.2% Offering annual returns of up to Rs. In these schemes, not only your money remains safe, but you also get excellent tax benefits.

Sukanya Samriddhi Yojana (SSY): Best for daughters

If you have a daughter below 10 years of age at home, then this scheme is most profitable for you.

Interest Rate: currently on 8.2% Getting tremendous interest.

USP: The interest received in this and the maturity amount are completely tax-free. This is the safest way to build a large corpus for the long term.

Senior Citizen Savings Scheme (SCSS): The first choice for the elderly

This scheme is no less than a boon for citizens above 60 years of age.

Interest Rate: Government on this too 8.2% Paying interest annually.

Benefit: Interest is paid quarterly, which is an excellent source of regular income. A maximum investment of up to Rs 30 lakh can be made in this.

National Savings Certificate (NSC): Secure and fixed returns

This post office scheme is quite popular for medium term investment.

Interest Rate: Currently on NSC 7.7% Getting interest of Rs.

Lock-in period: Its maturity is 5 years. The amount invested in this also gets exemption under Section 80C of Income Tax.

Kisan Vikas Patra (KVP): Money will double

KVP is a great option for those who want to double their investment.

Interest Rate: at this time on 7.5% Interest is being given.

Maturity: According to the current interest rate, your investment will be approximately 115 months It doubles. There is no maximum limit on investment in this.

Public Provident Fund (PPF): ‘Super’ way to save tax

PPF still remains the first choice of Indians for retirement planning.

Interest Rate: On this 7.1% Gets annual interest of Rs.

Tax Free: It comes in the ‘EEE’ (Exempt-Exempt-Exempt) category, that is, there is no tax on investment, interest and maturity.

Bank FD and government scheme: which is better?

Most banks offer around 7% interest on 5 year FD, which is fully taxable. In comparison, government schemes like SCSS and SSY are not only offering more than 8% interest, but also provide government security (Sovereign Guarantee). Experts believe that those seeking safe investments must include these government schemes in their portfolio.