Investment Options
|
Schemes |
Min Amount (In Rs.) |
Maximum Amount (In Rs.) |
Annual Returns |
Maturity/ Lockin Period (In Years |
Tax Benefit |
Risk |
Returns |
| Health Insurance for family |
NA |
15000 |
NA | NA |
Under Section 80D, over and above limit of 1 lac Under section 80C |
NA |
NA |
| Health Insurance for Senior Citizen (Parents) |
NA |
20000 |
NA | NA |
Under Section 80D, over and above limit of 1 lac Under section 80C |
NA |
NA |
| National Savings Certificate |
100 |
No Limit |
0.08 |
6 |
Under Section 80C |
Very Low |
Low Medium |
| Five Year Bank FD | 10000 | 100000 |
0.065 |
5 |
Under Section 80C |
Very Low |
Low |
| ELSS |
500 |
No limit howevertax savingbenefit only upto 1 lac |
Not assured |
3 |
Under Section 80C |
High |
Market Linked |
| ULIP’s |
NA |
No limit howevertax savingbenefit only upto 1 lac |
Not assured |
5 |
Under Section 80C |
Medium to high |
Market Linked |
| Employee Provident Fund |
NA |
NA |
0.095 |
NA |
Under Section 80C |
Very Low |
Medium |
| Public Provident Fund |
500 |
70000 |
0.08 |
15 |
Under Section 80C |
Very Low |
Low |
| NABARD Bhavishya Nirman Bond |
8250 |
No Limit |
0.0829 |
10 |
Under Section 80C |
Very Low |
Low |
| NABARD Rural Bond | 5000 | 100000 |
0.0513 |
5 |
Under Section 80C |
Very Low |
Very Low |
| New Pension System |
6000 |
No Limit |
Not assured |
Till attaining the age of 60 Years |
Under Section 80C |
Very low to medium |
Market Linked |
|
Infrastructure Bonds issued by Infrastructure Finance Companies |
5000 |
No limit howevertax savingbenefit only upto Rs 20000 |
8%- 8.25% |
10 / Lockin 5 |
Rs 20000 under Section 80 CCF, over and above limit of 1 lac Under section 80C |
Very Low |
Medium |
| Kisan Vikas Patra | 100 | No Limit |
0.08 |
8.7 |
NA |
Very Low |
Low Medium |
| Post Office Monthly Income Scheme |
1500 |
450000 |
0.08 |
6 |
NA |
Very Low |
Low Medium |
| Post Office Recurring Deposit Scheme |
10 |
No Limit |
0.075 |
5 |
NA |
Very Low |
Low Medium |
| Post Office Term Deposit | 200 | No Limit |
6.25% – 7.5% |
1,2,3,5 |
NA |
Very Low |
Low Medium |
| Senior Citizen Saving scheme |
1000 |
1500000 |
0.09 |
NA |
NA |
Very Low |
Low Medium |
| Post OfficeSavings account |
20 |
No Limit |
0.035 |
NA |
NA |
Very Low |
Low |
| GOI Savings Bond | 1000 | No Limit |
0.08 |
6 |
NA |
Very Low |
Low |
| NHAI Bond | 50000 |
No Limit |
0.055 |
3 |
NA |
Very Low |
Very Low |
| REC Bond | 10000 |
5000000 |
0.0525 |
3 |
NA |
Very Low |
Very Low |