GOVERNMENT SCHEMS FOR INDIVIDUAL INVESTORS PRESENTED BY: PRESENTED TO: HADIYA SHAIKH PROF. MEDHA MUSKAN KAGDA DHUVANI CHOUHAN TANIA GHOSH RUCHIKA GHELOTINTRODUCTION Government schemes are like special tools that help people manage their money better. For individual investors—people like us who want to save, grow our wealth, and plan for the future—these schemes offer fantastic opportunities. From secure savings plans to smart ways to invest, government schemes. are like a treasure trove of options waiting to be explored. Government SchemesSchemes Public Provident Fund (PPF. Interest rate: 7.1% p.a. (subject to change) Investment tenure: 15 years (extendable in blocks of 5 years) Tax benefits: Up to Rs. 15 lakhs per annum under Section 80C of the Income Tax Act. ‘Suitable for: Long-term financial goals like retirement planning. National Savings Certificate (NSC): Interest rate: 6.8% p.a. (subject to change) Investment tenure: 5 years and 10 years Tax benefits: interest earned is taxable. Suitable for: Short-term and medium- term financial goats.Schemes Kisan Vikas Patra (KVP) Interest rate: 6.9% p.a. (compounded annually) (subject to change) Investment tenure: 124 months (10 years ‘and 4 months) Tax benefits: Interest earned is taxable. ‘Suitable for: Short-term and medium- term investment with guaranteed returns. Pradhan Mantri Mudra Yojana (PMMY; Loan scheme: Up to Rs. 10 lakhs for micro and small businesses. Interest rate: Varies depending on the chosen loan scheme and lender. ‘Subsidy: Up to 30% of interest paid Suitable for: Micro and small businesses.7 _.Schemes_ c Sukanya Samriddhi Yojana National Pension Scheme (NPS): (ssy): Interest rate: 7.6% p.a. (subject to change) Market-linked returns: investment returns, investment tenure: 21 years depend on the chosen asset allocation. ‘Tax benefits: Up to Rs. 1.5 lakhs per annum, Investment tenure: Till retirement (60 years) under Section 80C of the Income Tax Act. ‘Tax benefits: Up to Rs. 15 lakhs per annum under Interest earned and maturity amount ore Section 80600) ofthe Income Tax Act aeons Additional deduction of Rs, 60,000 under Section Suitable for: Girl child's future education socco(\B). ‘and marriage expenses.Atal Pension Yojana (APY): Monthly pension: Rs. ,000 to Rs. 5,000 per month after retirement. Investment tenure: Till retirement (60 years) Tax benefits: Up to Rs. 15 lakhs per annum, under Section 80CCD(1) of the Income Tax Act. Suitable for: All citizens seeking a juaranteed pension after retirement Sovereign Gold Bonds (SGB): Investment in gold: Purchase gold in paper form, Interest rate: 2.5% p.a.on the initial investment. Capital appreciation: Gold prices can appreciate over time. Tax benefits: Capital gains tax exemption on redemption if held tll maturity Suitable for: Investment in gold with additional interest incomeSchemes Post Office Savings Account Interest rate: 4% p.a. No minimum balance requirement. Tax benefits: Interest earned is taxable. Suitable for: Saving small amounts regularly.Thank Yow