Government & Fixed Income Hub• Sovereign Guarantees & PFRDA Schemes

Government Schemes & Fixed Income Instruments

Compare statutory return rates, lock-in terms, and EEE tax treatment across India's premier public schemes.

SEBI High-Net-Worth Suite• ₹10L SIF & ₹50L PMS Mandates

Specialized Investment Funds (SIF) & Portfolio Management Services (PMS)

Explore SEBI's New Investment Class (SIF) for affluent investors alongside Discretionary, Non-Discretionary, and Advisory PMS vehicles. Compare ticket sizes, derivative flexibility, and tax implications.

Explore SIF & PMS Suite

PFRDAPartial EEE (60% Tax-Free Lumpsum)

National Pension System (NPS Tier-I)

Retirement vehicle offering low-cost market access with 60% tax-free maturity and 40% mandatory annuity purchase.

Interest / Return:10.0% to 12.5% (Market-Linked)

Lock-in Period:Till Age 60

Investment Limits:₹1,000 / year

Ministry of FinanceExempt-Exempt-Exempt (EEE)

Public Provident Fund (PPF)

Guaranteed statutory vehicle with full EEE tax exemption across investment, accrued interest, and maturity corpus.

Interest / Return:7.10% p.a. (Govt Guaranteed)

Lock-in Period:15 Years

Investment Limits:₹500 / year (Max ₹1.50 Lakh)

EPFOEEE (Up to ₹2.5L employee contribution)

Employees' Provident Fund (EPF)

Mandatory corporate retirement fund backed by sovereign guarantees and annual interest notifications.

Interest / Return:8.25% p.a. (FY 2024–25)

Lock-in Period:Retirement / Job change

Investment Limits:12% of Basic + DA

Govt of IndiaExempt-Exempt-Exempt (EEE)

Sukanya Samriddhi Yojana (SSY)

Dedicated child education and welfare scheme for girl children below 10 years of age.

Interest / Return:8.20% p.a.

Lock-in Period:21 Years (or Marriage at 18)

Investment Limits:₹250 / year (Max ₹1.5L)

Ministry of FinanceTaxable Interest (80C benefit on principal)

Senior Citizens Savings Scheme (SCSS)

Quarterly income security scheme for individuals aged 60+ backed by sovereign guarantee.

Interest / Return:8.20% p.a. (Paid Quarterly)

Lock-in Period:5 Years

Investment Limits:₹1,000 (Max ₹30 Lakhs)

RBICapital Gains 100% Tax-Free at Maturity

Sovereign Gold Bonds (SGB)

RBI issued government securities denominated in grams of gold. Eliminates storage costs and purity risks.

Interest / Return:2.50% Coupon p.a. + Gold Appreciation

Lock-in Period:8 Years (Exit option after Year 5)

Investment Limits:1 Gram Gold