look news india
News India Live, Digital Desk: One of the principles of us Indians is to keep our hard-earned money in such a place where, firstly, it is safe and secondly, we get decent interest on it. When it comes to security, no one seems more reliable than the Post Office. Because here your money remains directly with the government, i.e. 0% chance of losing money.
Often, due to old habit, we put our money in the fixed deposit of the bank. But do you know that the Post Office has two such “super-duper” schemes, whose interest today is much higher than the FDs of big banks?
If you are planning to invest in 2025, then these two schemes can prove to be a game changer for you.
1. Sukanya Samriddhi Yojana (SSY) – ‘Boon’ for daughters
If you have a little girl (daughter below 10 years of age) in your house, then you will not find a better scheme than this in the whole of India.
Banks will give you maximum interest of 7% or 7.5% on FD, but in Sukanya Samriddhi Yojana, the government is still 8.2% It is giving huge annual interest of Rs.
- Why is it special: This is not just an investment, it is a gift for the daughter’s future. The money deposited in this is used for his studies or marriage after he turns 18 years of age.
- Benefit: Tax exemption is also available (under 80C). By adding money little by little, you can give a huge amount (in lakhs) to your daughter after 21 years. So instead of going to the bank, it is better to open this account in the name of your daughter.
2. Senior Citizen Saving Scheme (SCSS) – ‘Lathi’ of old age
The second scheme is for the elders of our house i.e. senior citizens (above 60 years). After retirement, people often wonder where to keep their money so that they can meet their expenses every three months.
Senior Citizen Saving Scheme (SCSS) currently 8.2% It is giving excellent interest. This interest rate is higher than the senior citizen FD of most banks.
- Biggest feature: In this, the interest on the money you deposit comes to your account every 3 months (quarterly). This means that the elderly do not need to extend their hands to anyone, their money will continue to earn them.
- Duration: This is a 5 year scheme, which you can extend for further 3 years.
So why go to the bank?
Look, banks are good but when the government itself is giving you high interest and taking 100% guarantee of the money, then why settle for low profits?
These two post office schemes SSY (for daughters) and SCSS (for elderly) are the best investment options in today’s time.
Believe me, go to your nearest post office and get complete information about these schemes. Your one right decision can secure the future of you and your family.