Ahmedabad · Advising families since 2006 · NJ Wealth Partner
ગુજરાતી
Home › Services › Core Investments › Government & Small Savings Schemes
Services · Core Investments

The schemes your grandparents trusted — still doing the job.

PPF, SCSS, Post Office MIS, NSC and NPS: government-backed, high-trust instruments that anchor retirement and family plans. We advise on fit; you invest with confidence.

Scheme by scheme

Rates, rules and fit — at a glance

Current rates (Q2 FY 2026-27, July–September 2026) with the rules that actually matter. The government reviews these rates every quarter.

PPF — Public Provident Fund

The tax-free compounder — a superb backbone for retirement or a child's education corpus.

Interest rate7.1% p.a., compounded annually
Tenure15 years, extendable in 5-year blocks (with or without fresh contributions)
Investment₹500 min – ₹1.5 lakh max per financial year
TaxEEE: 80C deduction, interest and maturity fully tax-free
LiquidityPartial withdrawal from year 7; loan facility years 3–6
Who can investResident individuals, incl. on behalf of a minor

SCSS — Senior Citizen Savings Scheme

The highest-paying government scheme — quarterly income for retirees.

Interest rate8.2% p.a., paid out quarterly
Tenure5 years, extendable by 3
Investment₹1,000 min – ₹30 lakh max (per individual)
TaxDeposit qualifies for 80C; interest is taxable (TDS applies above threshold)
LiquidityPremature closure allowed with penalty (1–1.5%)
Who can invest60+; 55+ for eligible retirees; 50+ for retired defence personnel

How SCSS anchors a retirement income plan →

POMIS — Post Office Monthly Income Scheme

Fixed monthly income, government-backed — dependable cash flow for conservative investors.

Interest rate7.4% p.a., paid out monthly
Tenure5 years
Investment₹1,000 min – ₹9 lakh (single) / ₹15 lakh (joint)
TaxNo 80C benefit; interest taxable at slab rate
LiquidityPremature closure after 1 year: 2% penalty (years 1–3), 1% (years 3–5)
Who can investResident individuals, singly or jointly

NSC — National Savings Certificate

Simple, safe, 5-year tax-saving certificate — nothing to manage until maturity.

Interest rate7.7% p.a., compounded annually, paid at maturity
Tenure5 years
Investment₹1,000 min, no upper limit
Tax80C on deposit; interest reinvested for the first 4 years also counts toward 80C; maturity interest taxable
LiquidityNo premature exit except death/court order; can be pledged as loan collateral
Who can investResident individuals

NPS — National Pension Scheme

The market-linked retirement leg — pair it with the guaranteed schemes above, don't replace them with it.

ReturnsMarket-linked (equity/debt mix of your choice, equity up to 75%) — not a fixed rate
TenureTill age 60 (exit rules apply); can continue to 75
InvestmentTier I: ₹500 min per contribution, ₹1,000 min per year
Tax80CCD(1B): extra ₹50,000 deduction over 80C; at exit up to 60% lump sum tax-free, min 40% buys an annuity
LiquidityLocked till 60 barring limited partial withdrawals for specific needs
Who can investIndian citizens 18–70, incl. NRIs

Advisory only

These are government schemes you hold directly — our role is advisory: which scheme, how much, and how each fits your plan. Rates shown are for the July–September 2026 quarter (unchanged for nine straight quarters); the government resets them quarterly, and we track every change.

Rates and limits as notified for the July–September 2026 quarter and subject to quarterly revision by the Government of India. Tax treatment is summarized for general awareness — consult your tax advisor for your situation.

See Which Scheme Fits My Goal?

Talk it through with an advisor first — free, and with zero obligation.

See Which Scheme Fits My Goal