Top 5 Government Investment Schemes With 0 Risk 2022-23

Top 5 Government Investment Schemes With 0 Risk

Investments are the economic system that helps you to make money or save money for your future. People are often get feared of investment. But they trust and have faith in the government investment schemes which have zero risk. Government schemes are more trustable than the other investment options.

When we think about the investment the first thing that comes to our mind about share market. Investing in stocks is highly profitable if it gives profit, but you may lose money in stocks. So that’s why most people trust on government investment schemes.

But many of you thought that government schemes do not give a high return. But they have the sustainability and reliability. Its true that you can’t get that much of profit margin in the government schemes but there is very much low risk in these schemes.

So let’s know about the top 5 government investment schemes that have zero risk but with a good return.

Top 5 Government Investment Schemes

Here we will discuss about the top 5 government schemes that give a good return with a minimum risk. If you are a student or a small business person you can also invest. We will describe to you the criteria, investing capital, and how you can invest in.

These are the schemes listed. Now let’s know the details of the schemes.

1. Sovereign Gold Bond (SGB)

• Sovereign Gold Bond (SGB) is government securities denominated in grams of gold, which is issued by Reserve Bank Of India on the behalf of govt. of India.
• It was launched in the year of 2015 under the Gold Monetization Scheme. It is most safest as it is regulated directly by Reserve Bank Of India (RBI) with the advice of govt. of India.

• If you want to buy the bonds of this scheme you can do it online and through Indian post office. It is the model of a digital gold not physical but you have the full authority to buy and sell this gold at any time with the issuing price. In every 5 days of any months you can subscribe this bond and it will be issued to your name within a week.

Benefits of Sovereign Gold Bond (SGB)

• The interest rate of Sovereign Gold Bond is 2.5 P.A. The interest amount will be credited to your bank account in every 6 months.
• When the bonds are issued you will get an SGB certificate. You can get a loan from the bank against the certificate on its current value.

So if you are interested to invest in any government scheme Sovereign Gold Bond is a safe and good option.

2. National Pension Scheme (NPS)

• The next government investment scheme is National Pension Scheme (NPS), which is 100% safe and secure. It was launched in the year of 2004 under the jurisdiction of Ministry of Finance of the Government of India.
• The main motive of this scheme is to give a well economic ability after the retirement. But it was opened for all the citizen in the year of 2009. So every one can get the benefit of this scheme, such as private employee, business man, worker or a govt. employee.

• National Pension Scheme is regulated by the Pension Fund Regulatory and Development Authority. It controls the money and regulates it for the people in their old age.
• National Pension Scheme invests in the share market. Also inequity, govt. bonds, corporate bonds, and real estate. So the interest rate of this scheme can be volatile at a time.

Benefits Of National Pension Scheme (NPS)

• The average interest rate of the National Pension Scheme is 10 – 15 %. Because of its investing sectors. But although this interest rate is much higher than other government investment schemes.
• Under the National Pension Scheme you will get a tax rebate around of 2,60,000 RS.

So to secure your after retirement life National Pension Scheme is a great option for government investment scheme.

3. MIS Scheme

• One of the best government investment schemes is Post Office Monthly Income Scheme Account, which is also known as the MIS scheme.
• This is a very popular and easy government investment scheme. After depositing your money once in your bank you will get the interest amount monthly, which will be credited to your bank account.

• Any Indian citizen who is over 18 years can open an MIS account and invest in it. Investors can withdraw the money at any time through the bank and they will transfer the money to the bank account.

Benefits Of MIS Scheme

• Currently this year the interest rate of this scheme is 6.6 %. Which is a good monthly income for anyone.
• Under this scheme you will not charge for TDS.

4. Public Provident Fund (PPF)

• Public Provident Fund is the most risk free government investment scheme. It is issued by the govt. of India. The aim of this scheme is to give a better life after the retirement. This scheme is totally tax free scheme. It is one one of the long running product of the govt.

• The government introduced this scheme for those does not come under the Employee Provident Fund ( EPF). Also for the people who comes from unorganized sectors or who do not he the govt. pension. For these people govt. launched this scheme to built a good money after their retirement.

• Public Provident Fund can be a good monthly income with a good return.

Benefits Of Public Provident Fund (PPF)

• The interest rate of the Public Provident Fund is 7.1 %. That is more than FD and other schemes.
• If you invest in this scheme you can claim of tax reduction of 1.5 lakhs under section 80 C.

You can invest a minimum of 500 RS. per annual and up to 1.5 lakhs per annual. That will secure your future retirement life.

5. National Saving Certificate (NSC)

• The National Saving Certificate is likely to post office scheme. But in this scheme, any citizen who is over 10 years can open an account. If anyone comes under 10 years then their parents will be the operator of the account.
• This government investment scheme has a maturity period of 5 years. You can open an account through any post office. The account opening system is very simple.

• If you change your location after opening the account then you can transfer your account to the nearest branch. This is the most popular government investment scheme. As this scheme is a post office scheme so the TDS will not be deducted.

Benefits of National Saving Certificate (NSC)

• The interest rate of the National Saving Certificate is 6.8 % this year. That is a much good rate than any other government investment scheme.
• If you invest in this scheme you can claim of tax reduction of 1.5 lakhs under section 80 C.

If you invest 5 lakh RS. in this scheme you will get a total of 2 lakhs of interest, that is according to the National Saving Certificate calculator. You can see how you can get a good profit with a short team investment then National Saving Certificate is the best government investment scheme.

You can also read: Best 5 stocks to invest in 2023.

To invest in stocks open a Demat account.

Final Words

We have discussed the Top 5 Government Investment Schemes. So you can see how you can build a secure life by investing in this govt. schemes with a risk free. Safe investors can choose any one of this scheme and invest in from today.

Hope you like this information. Thank You for reading.

Wish you safe and happy and profitable investment.

If you need any help or have any query the you can contact us at: [email protected]

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