There is no one answer to people when it comes to the question of which is the best investment plan in India. There are many which are the best government investment schemes to invest in India which are proposed by the government and most of them reap a lot of benefits. Everyone who invests or wants to invest in the best investment policies in India is doing it to earn a maximum return without incurring little to no risk.
People invest in government schemes in India because they need to fulfill their requirements, be it financial security or their investment aims. This is why smart investors are always looking for the best investment policies in India. By investing in the best investment policies, they can multiply their finances in a set amount of time with no amount of risk.
It is difficult to find the best investment policies in India which will give us good returns with no risks involved. But the truth is that the investments which give us good returns will have the most risks involved.
That is why while investing in the best investment policies we have to match the amount of risk involves with the investors before investing in the best investment policies. There are best investment plans in the market that do have a high-risk profile but they do reap benefits in the long haul than the other assets of the same class. Now there are some investment options whose risk profile is low for the investors who are seeking to play safe but their returns are also low.
When investors invest in the best government policies in India they are not only able to fulfill their financial goals before time but also can secure their future enough so that they can live a luxurious life. This is the sole reason why investors are on the lookout for the best investment policies in India. This way investors can fulfill their ambitions by investing wisely.
Top 6 Best Government Investment Schemes to Invest in India
Some government schemes in India are proposed and released by the government of India with the idea of reaching out to every Indian citizen. The following top 6 best government investment schemes to invest in India with the best investment planning do not only provide substantial returns but are also pose no risk at all.
These government schemes in India will not only help the investors to fulfill their goals but also will give a chance to new investors to make their first move safely and securely.
1. Public Provident Fund
Public Provident Fund is a part of the top 6 best government investment schemes to invest in India with the best investment planning. Among the government investment schemes in India, it is one of the best investment policies in India. Best investment planning only takes place when investors secure the best investment plan they can find out there like this which has the most secure and is a long-term investment plan in India.
This fund comes among the best investment policies which an investor can easily find out there because this government investment schemes in India with the best investment planning is tax-free. Investors can open a Public Provident Fund anywhere in a bank or a post office to secure these top 6 best government investment schemes to invest in India with the best investment planning.
When investors have completed the process of investing their finances in the top 6 best government investment schemes to invest in India with the best investment planning, their investment is locked for 15 years. In this specific period, investors can also earn compound interest on their invested finances in these best investment policies.
In this best investment planning, investors can also extend the lock period on their finances by 5 more years. The only disadvantage of opening a Public Provident Fund account in a post office or a bank is that it has a very long wait period of 15 years. Also, you can only withdraw your finances or accumulated money after 6 years.
One of the advantages of opening a Public Provident Fund in a post office or bank is that you can ask for a loan on your accumulated finances in your Public Provident Fund account in case you need money.
2. National Pension Scheme
National Pension Scheme is one of the top 6 best government investment schemes to invest in India with the best investment planning. This best investment policies in India is one of the safest investment options that the investors can find out there for their investments. This is a great government investment schemes in India with the best investment planning which offers pension solutions to the investors of India.
Investors have many options of investment areas to choose from in this government investment schemes in India. This government investment schemes in India with the best investment planning invests in Bonds, securities of the government, equity, and many other options of investment where the investor has full liberty to invest in any kind of investment as per their choice and requirements.
Best investment planning can only take place with the best investment policies in India. One of the top 6 best government investment schemes to invest in India with the best investment planning, it provides two options in which the investors can invest their finances in this scheme. Auto and active.
If the investors invest in the auto option their funds will be automatically invested in various types of assets and if they choose the active option the investor will be able to choose the kind of investment he wants to invest his funds in this government investment schemes in India.
The lock period of this scheme’s account depends on the age of the investor in these best investment policies. The moment the investor turns the age of 60, only then does the account of these government investment schemes in India matures.
In this best government investment schemes in India with the best investment planning the interest that is accumulated on the number of finances the investor has invested in the scheme is free of any tax. When the investor decides to withdraw the lump-sum money on the maturity of the account, 40 of the total proceeds of the maturity are exempt from tax. If an investor wants to withdraw money after the period of maturity is over then the amount of tax is incurred on it as regular income.
3. Senior Citizens’ Savings Scheme
These government investment schemes in India are the best government investment options in India. These best investment policies in India give maximum security with substantial returns to people over the age of 60 years. This investment option is one of the best government investment schemes in India with the best investment planning because the investors will receive a regular income as per this scheme.
These top 6 best government investment schemes to invest in India with the best investment planning offer an excellent rate of interest of 8.6 percent per annum. This makes this best government investment scheme the best investment option in India.
Senior Citizens’ Saving Scheme is available to all individuals across the country in all the banks and post offices. The maximum amount of finances an investor can invest in this scheme is 15 lakhs. The tenure of this best investment policies is only 5 years and investors can even extend it to 3 more years.
4. Pradhan Mantri Vaya Vandana Yojana
This government investment schemes in India is the result of the best investment planning. The best investment policies in India are available to all the investors who are and over the age of 60. This investment scheme was developed by the best investment planning officials. This government investment schemes in India is offered to the investors at the rate of 7.4 percent per annum.
This rate of interest is assured to the investors every year. The scheme provides a choice to the investors, on how they want their investments to be payable in this government investment schemes in with the best investment planning India. On the choice of the investors, the government provides the option of monthly, semi-annually, quarterly, and annually. In these best investment policies in India.
Investors can invest in these government investment schemes in India with the best investment planning based on a minimum amount and a maximum amount. The minimum amount that is payable on this scheme is rupees 1000 and the maximum amount that is payable in this scheme is rupees 9,250 every month.
A total of rupees 15 lakh can be invested fully in these top 6 best government investment schemes to invest in India with the best investment planning in the time of 10 years. When these best investment policies are matured after the time of 10 years, it is paid to the individual who is the owner of the account. But if the owner of the account dies before the account of this scheme is matured, the accumulated finances will be paid to the nominee that is stated by the owner of the individual account.
5. National Saving Certificate
This is one of the top 6 best government investment schemes to invest in India with the best investment planning which is issued and promoted by the government of India. This government investment schemes in India offers benefits by not only investing but also tax exemptions. These best investment policies are issued after best investment planning in India. These best investment policies in India provide a fixed income and the risk on the returns is very low risk. These best investment policies in India provide a fixed duration in which the investment is made. These top 6 best government investment schemes to invest in India with the best investment planning will help the investors to come into the habit of investing save money and secure their financial future.
This government investment schemes in India was launched by the government of India after independence was achieved from British rule. The government was new at that time and most of the finances were secured by the British government so there were no finances left with the new government with which they could serve the people.
So the government of India proposed and issued this scheme which has the best investment policies so that they could make an effort to take part in the country’s development. The government wanted to develop the whole nation with these top 6 best government investment schemes to invest in India with the best investment planning.
This best government policies in India has a tenure of 5 and 10 years and the rate of interest on this investment is 7.6 percent per annum.
6. Atal Pension Yojana
These top 6 best government investment schemes to invest in India were launched by the government of India. This government investment schemes in India was launched to provide a source of income to those individuals who belonged to those sectors of the economy that were unorganized.
This government investment scheme in India was launched in the place of the earlier scheme Swavalamban Yojana which was then scraped off because it did not do much for the economy or the well-being of people.
This top 6 best government investment schemes to invest in India was launched with only one goal of providing pension to those people who have no other means of earning money. This government investment scheme in India was not only for the well-being of the individuals who work in the government sector but also for those people who are employed in the private sector or are self-employed.
These top 6 best government investment schemes to invest in India were launched after the current Prime Minister Narendra Modi swore in. These government investment schemes in India have a pension amount ranging between 100 rupees to 5000 rupees based on the subscription taken up by the individual.
Frequently Asked Questions
Q1. Is there any scheme that has been in motion since the independence era?
Ans. National Service Scheme. The government of India wanted to develop the whole nation with these top 6 best government investment schemes to invest in India with the best investment planning. This best government policies in India has a tenure of 5 and 10 years and the rate of interest on this investment is 7.6 percent per annum.
This government investment schemes in India was launched by the government of India after independence was achieved from British rule.
Q2. Which is the best government investment scheme in India for people over the age of 60?
Ans. Pradhan Mantri Vaya Vandana Yojana. The best investment policies in India are available to all the investors who are and over the age of 60. This government investment schemes in India is offered to the investors at the rate of 7.4 percent per annum.
The minimum amount that is payable on this scheme is rupees 1000 and the maximum amount that is payable in this scheme is rupees 9,250 every month.
Q3. Which government scheme provided the best rate of interest to senior citizens?
Ans. Senior Citizens’ Savings Scheme is one of the best investment policies in India gives maximum security with substantial returns to people over the age of 60 years. These top 6 best government investment schemes to invest in India with the best investment planning offer an excellent rate of interest of 8.6 percent per annum. This makes this best government investment scheme the best investment option in India.
Q4. Why do investors invest in government investments?
Ans. When investors invest in the best government policies in India they are not only able to fulfill their financial goals before time but also can secure their future enough so that they can live a luxurious life. This is the sole reason why investors are on the lookout for the best investment policies in India. This way investors can fulfill their ambitions by investing wisely.
Q5. What is the best government investment scheme for pensioners?
Ans. National Pension Scheme is one of the top 6 best government investment schemes to invest in India with the best investment planning. This best investment policies in India is one of the safest investment options that the investors can find out there for their investments. This is a great government investment schemes in India with the best investment planning which offers pension solutions to the investors of India.
Q6. Why is it advisable to invest in Atal Pension Yojana?
Ans. These top 6 best government investment schemes to invest in India were launched by the government of India. This government investment schemes in India was launched to provide a source of income to those individuals who belonged to those sectors of the economy that were unorganized.
Q7. Which government investment scheme is low risk but will provide a higher return than banks?
Ans. Public Provident Fund is a part of the top 6 best government investment schemes to invest in India with the best investment planning. Among the government investment schemes in India, it is one of the best investment policies in India. Best investment planning only takes place when investors secure the best investment plan they can find out there like this which has the most secure and is a long-term investment plan in India.
Q8. Which government investment scheme has a long lock period?
Ans. Public Provident Fund. When investors have completed the process of investing their finances in the top 6 best government investment schemes to invest in India with the best investment planning, their investment is locked for 15 years. In this specific period, investors can also earn compound interest on their invested finances in these best investment policies.