•Explore government schemes offering higher returns than bank FDs with 100% safety for your hard-earned money.
•Sukanya Samriddhi Yojana and Senior Citizen Savings Scheme both provide an attractive 8.20% annual interest rate.
•RBI Floating Rate Savings Bonds offer up to 8.05% (variable) interest and are easily accessible via the 'RBI Retail' app.
•National Pension System (NPS) yields up to 8% for retirement with tax benefits; National Savings Certificate (NSC) offers 7.70% for 5 years with Section 80C tax savings.
•Public Provident Fund (PPF) provides 7.10% over 15 years with tax exemption, and Kisan Vikas Patra (KVP) doubles money in 115 months at 7.5%.
