Small Savings Scheme Return: In today’s times, the need for both savings and investments has increased rapidly. While investing was once considered a game only for the rich, now even ordinary people want to build a long-term corpus with a small amount. There are many schemes available in the market where investing just ₹500 per month can accumulate lakhs of rupees. These schemes prove to be extremely beneficial for small investors and provide financial strength for the future. Today, in this article, we’re going to tell you about some special options where you can accumulate a corpus of lakhs with an investment of just ₹500.
Small Investments with SIPs offer big returns
Systematic Investment Plans (SIPs) are one of the most popular investment schemes today. It’s a great option for those who want to take advantage of the stock market but don’t want to take on too much risk. On a fixed date, ₹500 is deducted from your bank account and invested in a mutual fund scheme. It can yield an average return of 12 to 15 percent over the long term.
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A SIP of ₹500 can generate a corpus of approximately ₹2 lakh in 15 years, approximately ₹4.6 lakh in 20 years, and approximately ₹8.5 lakh in 25 years. This is extremely useful for investors who want to save over the long term with patience and a moderate risk appetite.
Public Provident Fund Scheme
The Public Provident Fund is a government-guaranteed savings scheme with very low risk and stable returns. This account is easily opened at any bank or post office. The minimum annual investment requirement is ₹500, and the maximum deposit amount is ₹1.5 lakh. Currently, it earns an interest rate of 7.1 percent.
By investing ₹500 monthly, the total investment over 15 years will be ₹90,000, yielding over ₹1.62 lakh, including interest. If the term is extended to 20 years, the maturity amount can exceed ₹2.66 lakh, and over ₹4 lakh in 25 years. It also offers tax benefits.
Sukanya Samriddhi Yojana
This special government scheme for the education and marriage of daughters is extremely popular. The key feature is that the investment is only for 15 years, but interest accrues until 21 years. This account can be opened from the daughter’s birth until she turns 10. The current interest rate is 8.2 percent.
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If you deposit ₹500 every month in your daughter’s name, your investment will grow to ₹90,000 in 15 years, and you will receive over ₹2.77 lakh upon maturity. This is one of the safest and highest-interest small savings schemes.
Post Office Recurring Deposit Scheme
The Post Office Recurring Deposit Scheme is an easy and reliable option for small investors. This five-year plan allows monthly deposits of ₹500. It offers an interest rate of approximately 6.7 percent. An investment of ₹30,000 yields a maturity amount of over ₹35,000. This plan is a good option for those seeking secure returns in a short period.