Home › Business› Govt Schemes with Higher Returns…
Business latest news

Govt Schemes with Higher Returns than FD, Check Top Investment Options

Sweta Mitra
By Sweta Mitra
2 min read
Published: 06 Mar 2026
Govt Schemes with Higher Returns than FD, Check Top Investment Options

Govt Schemes: Even today, many people rely on fixed deposits for a safe investment because they don’t risk losing money. However, most investors are unhappy with the returns they offer, and they turn to unsecured investment options for better returns.

But what if we told you that you don’t need to resort to unsafe options for better returns? Today, we’re going to tell you about three government schemes that will offer you even higher returns than fixed deposits. Furthermore, they’re also safe, as they’re government schemes. Let’s discuss them one by one.

These plans provide better returns compared to FDs

NPS Scheme- This is a government initiative. Through this scheme, the government allocates your funds into secure assets such as bonds and equities. Moreover, a part of your investment is reserved for your pension. You can access this money when you retire, typically between the ages of 70 and 75. It’s a reliable retirement strategy. Additionally, you benefit from tax exemptions on the maturity amount, while your funds are actively invested in the stock market. Investors can achieve returns of up to 8%.

RBI Floating Rate Bonds – If you prefer not to wait for the NPS scheme benefits, RBI Floating Rate Bonds are an excellent alternative. They can yield returns of up to 8.05%. To make an investment, simply use the RBI Retail app.  This way, you can still invest in a secure scheme like FD without having to resort to risky investment options for higher returns.

NSC- The National Savings Certificate (NSC), also referred to as the National Savings Certificate, is a government-initiated budget scheme in India. It serves as a long-term savings option, with a maturity period ranging from 5 to 10 years. Throughout this duration, you can earn 7.7% interest on your savings, along with tax benefits under Section 80C. If you’re in search of a secure, long-term investment, this scheme could be advantageous. Investors can commence their savings journey with a minimum deposit of Rs 1,000.

Related Stories

Latest
Verified Source Google News timesbull.com ✓ Trusted

Most Popular

Related News