Banking

Pradhan Mantri Jan Dhan Yojana (PMJDY) provides basic, zero-balance savings accounts with benefits like a RuPay debit card, accident insurance cover and access to overdraft/Direct Benefit Transfer (DBT). You open a Jan Dhan account at any bank branch or Business Correspondent (Bank Mitra).

Pradhan Mantri Jan Dhan Yojana

Your credit score (often called CIBIL score) reflects your creditworthiness based on your loan and card repayment history. Under RBI rules, each of the four licensed Credit Information Companies must give you one free full credit report a year. Check your score directly on the official CIC websites — you don't need any paid third-party 'score checker'.

RBI-licensed Credit Information Companies (CICs)

Sukanya Samriddhi Yojana (SSY) is a government small-savings scheme for a girl child, offering an attractive fixed interest rate and tax benefits. A parent/guardian opens the account at a Post Office or authorised bank and deposits annually until the girl reaches the notified age.

Department of Posts / Ministry of Finance

The National Pension System is a government-regulated, market-linked retirement savings scheme open to any Indian citizen aged 18–70. You can open an account entirely online through eNPS, choose how your contributions are invested, and claim tax benefits under Section 80C and the additional 80CCD(1B) deduction. On retirement, part of the corpus is withdrawn tax-free and the rest is used to buy an annuity for regular pension income.

Pension Fund Regulatory and Development Authority (PFRDA) / eNPS

The Public Provident Fund (PPF) is a long-term, government-backed savings scheme with a 15-year lock-in, offering tax-free interest and a tax-free maturity amount — one of the few investments in India with full EEE (Exempt-Exempt-Exempt) tax treatment. It's opened through a post office or an authorised bank, not a private company, and the interest rate is set and revised quarterly by the government.

National Savings Institute, Ministry of Finance

Kisan Vikas Patra is a government-backed post office savings certificate that doubles your investment over a fixed maturity period set by the current interest rate, with no upper investment limit and no 80C tax benefit. It's a simple, guaranteed-return option available to any Indian resident individual, bought at a post office or authorised bank.

National Savings Institute, Ministry of Finance

National Savings Certificate is a fixed-income post office savings scheme with a 5-year lock-in, offering a government-guaranteed interest rate and Section 80C tax deduction on the amount invested. It's a common choice for conservative, tax-saving investments alongside PPF and ELSS.

National Savings Institute, Ministry of Finance

Senior Citizen Savings Scheme is a government-backed savings scheme for Indians aged 60 and above (58+ for those who've taken voluntary/special retirement, and 50+ for retired defence personnel), offering one of the highest guaranteed interest rates among small savings schemes, paid out quarterly, with a 5-year tenure and Section 80C tax deduction.

National Savings Institute, Ministry of Finance