7 Guaranteed Return Schemes: Investment in these schemes can help you earn regular income
Holi 2025 Investment Ideas: Some of the guaranteed return schemes where investors can start investing this Holi are fixed deposit (FD), public provident fund, National Savings Certificate, corporate and government bonds, recurring deposit, etc.
Holi 2025 Investment Ideas: India is celebrating the festival of colour on Friday (March 14, 2025). Holi brings the vibrant colours to our lives, triggering the vibes of enthusiasm. It further brings positive energy to our lives, allowing us to aim higher and achieve faster. Such achievements are not limited to personal life but also to financial life. A secured financial life makes us financially free, relieving our minds from the financial stresses of our lives. But financial well-being can't come without good financial planning. Such a strategy in life helps us achieve financial goals on time. With a hope that Holi 2025 will bring financial well-being to your life, we take you through the list of 7 guaranteed return schemes that can help you get a regular income in your life, bringing vibrancy in the times of the festival of colours.
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Fixed deposit (FD)
FD is an age-old way to invest. In an FD, an investor can invest one time and get returns on maturity. However, if they want, they may opt for monthly, quarterly, half-yearly, and yearly payouts.
Fixed deposit (FD)
FDs come in the range of 7 days to 10 years. Investors get tax benefits on investments in FDs of 5 years and above. Banks also offer special FDs to their investors.
National Savings Certificates (NSC)
Offered by the post office, NSC offers guaranteed returns, where you can invest at the time of starting the NSC policy and get a return on maturity. It comes with a 5-year maturity period and offers a 7.7 per cent interest rate compounded annually.
National Savings Certificates (NSC)
One can start an NSC account with a minimum deposit of Rs 1,000. Deposits up to Rs 1.50 lakh in a financial year qualify for deduction under Section 80C of the Income Tax Act, 1961.
Public Provident Fund (PPF)
Investors can use it as a part of their retirement financial planning. They can open a PPF account in a post office or a bank. They get a 7.1 per cent interest in each. The maturity period for PPF is 15 years.
Public Provident Fund (PPF)
It is one of the few schemes where the maturity amount is tax-free. Deposits in PPF also qualify for tax benefits under Section 80C of the Income Tax Act, 1961.
Employees' Provident Fund (EPF)
This is a retirement scheme for private sector employees, where the employee and the employer contribute to the employee's EPF account. The government provides 8.25 per cent interest on EPF compounded yearly.
Employees' Provident Fund (EPF)
The minimum monthly contribution is Rs 1800, while the maximum is 12 per cent of the employee's basic pay and dearness allowance. The employer's contribution also goes to the employee's Employees' Pension Scheme (EPS) account, which provides a monthly pension post retirement.
Government and corporate bonds
They provide a fixed interest rate in the form of a coupon rate to its buyers. The rate is fixed at the time of purchasing the bond.
Government and corporate bonds
Credit agencies issue ratings to bonds, which show the risk level of investment. A lower-rated bond offers a higher interest rate compared to a higher-rated bond.
Post Office Monthly Income Scheme (POMIS)
This is a popular fixed interest scheme to get a monthly amount after making a one-time investment. The guaranteed return scheme provides a 7.4 per cent interest rate to its account holders. One can have a single or a joint POMIS account.
Post Office Monthly Income Scheme (POMIS)
In a single account, the maximum investment limit is Rs 9 lakh, and the monthly income for 5 years is Rs 5,555. While in a joint account, the maximum investment limit is Rs 15 lakh, and the maximum pension provided is Rs 9,250. The account holder can extend their account after 5 years or take their deposit back on maturity.
Senior Citizen Savings Scheme (SCSS)
This is a post scheme that offers an 8.2 per cent interest rate to its account holders. One can open an account with a minimum deposit of Rs 1,000, while the maximum investment limit for the scheme is Rs 30 lakh. A person needs to be at least 60 years old to open an SCSS account.
Senior Citizen Savings Scheme (SCSS)
However, relaxation up to 10 years is available in certain cases. SCSS accountholders get a fixed quarterly income post deposit for 5 years. They can extend their account on completion of 5 years, or they can close the account and withdraw the deposit.