REGULATED: ARN-86970 (Mutual Funds) | SEBI/RIA (Pending) | Read Disclaimer

Government-Backed Savings & Retirement Schemes 🏦

Secure your future with tax-efficient NPS and guaranteed returns from Post Office Recurring Deposits.

National Pension System (NPS)

A voluntary defined contribution retirement savings scheme administered by PFRDA. It provides excellent tax benefits and market-linked returns.

**Tax Benefit:** Up to ₹2 Lakhs (80C + 80CCD(1B))
**Eligibility:** 18 - 70 Years, Indian Citizen
**Fund Options:** Active Choice (Equity, Debt, Govt Bonds) or Auto Choice

The NPS is low-cost, portable across jobs, and highly flexible, allowing you to choose your fund manager and asset allocation based on your risk profile.

Buy NPS (via ICICI Portal)

Post Office Recurring Deposit (RD)

A guaranteed savings scheme for five years with quarterly compounding. Ideal for disciplined, risk-averse investors.

**Tenure:** 5 Years (Extendable)
**Min. Deposit:** ₹100 per month
**Returns:** Government-guaranteed interest rate

You can open and manage your RD through the Post Office (India Post Payments Bank - IPPB) using their online banking services if you have an existing PO Savings Account.

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