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Other Savings Schemes

You can save various places other than Gold, share market, real estate, Mutual funds, Insurance. Lots of people don’t know about this. Here we discuss an overview of the different savings schemes available in term of returns, ease of investment, taxability of income, tax benefits, lock in period.


Other savings schemes type

1. Bank FDR-
2. SCSS- Senior Citizens Savings Scheme Account.
3. PPF-Public Provident Fund Account: PPF is a Tax Saving Scheme in Post Office & all national banks. This scheme run by the Government of India.
4. NSC- National Savings Certificates.
5.ELSS-Equity Linked Savings Schemes: ELSS is a tax saving mutual fund where you can save upto Rs. 46,800 in a financial year under Section 80C
6. Rajiv Gandhi Equity Savings Scheme: (Section 80CG)- Under Rajiv Gandhi Equity Savings Scheme individuals can invest up to Rs 50,000 in approved stocks. The tax benefits are available under Sec 80CG. However, only first time investors are allowed to invest in this scheme to claim tax benefits.
7. SSY-Sukanya Samriddhi Yojana.
8. Gold sovereign bond-You know only investment in gold is purchase gold coin or jwellary, there is GST and other expenses. But when you invest gold by Gold sovereign bond, you can avail 2.5 interest and also appreciation value of gold price in market. Also there is only 2.5 interest you got is taxable. Capital appreciation is absolutely tax free.
9. Post Office Savings Account
10. NSC- National Savings Certificates.
11.National Savings Recurring Deposit Account.
12. National Savings Time Deposit Account.
13. National Savings Monthly Income Account.
14. KVP- Kisan Vikas Patra
15. EPF- Employees' Provident Fund
16. National Pension Schemes (NPS) - NPS offers you additional tax deduction for the investment up to Rs. 50,000 in under subsection 80CCD (1B), This is over and above the deduction of Rs. 1.5 lakh available under sec 80C

There are above mentioned saving schemes. After considering all aspect like type of saving schemes, lock in period, tax benefits, as per your requirement, your age, your responsibilities, type of plan, after your financial risk calculations, as per your financial goals like retirement planning, Tax planning, child's education and marriage, for your health & investment purposes we advice you right saving scheme.
We are tracking most of saving schemes and their returns. As per your requirement & suitable for you, we suggest right saving schemes to you for your child's higher education or marriage, or foreign tour or as per your any financial goals.

CHARGES - Only Rs. 1000 for consultation

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