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. While big government and private banks are offering an average interest of 6.5% to 7.5% on 5-year FD in the year 2026, some special savings schemes of the government are offering annual returns of up to 8.2%. 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 in your house, then this scheme is the most profitable for you. Interest Rate: Currently, it is getting a whopping 8.2% interest. Feature: The interest and maturity amount received in this is completely tax-free. This is the safest way to create a large fund for the long term. Senior Citizen Savings Scheme (SCSS): The first choice of the elderly. This scheme is no less than a boon for citizens above 60 years of age. Interest Rate: The government is also offering 8.2% annual interest on this. Advantage: Interest is paid quarterly, which is an excellent source of regular income. A maximum of Rs 30 lakh can be invested in it. National Savings Certificate (NSC): Safe and fixed returns. This scheme of the post office is very popular for medium term investment. Interest Rate: Currently 7.7% interest is being given on NSC. 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: Currently, 7.5% interest is being given on it. Maturity: According to the current interest rate, your investment doubles in about 115 months. 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: It gives an annual interest of 7.1%. 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.