Investment Tips: If you also want to improve your financial planning and are looking for low-risk savings options, then this news is very important for you. You can create a fund of lakhs with a small amount of just Rs 500, that too without any risk. Here we are telling you about the top 3 risk-free government savings schemes 2025, which are considered most suitable for low-income investors.

Public Provident Fund (PPF):

PPF Account 2025 is a secure savings scheme run by the government, which is specially designed keeping in mind tax saving and long-term investment.

Minimum investment: Rs 500 per year

Maximum investment: ₹1.5 lakh per year

Interest rate: 7.1% (2025 rates)

Maturity period: 15 years

Tax benefits: EEE category (investment, interest, withdrawal all three tax free)

If you invest Rs 500 per month i.e. Rs 6,000 per year, then in 15 years you will get around Rs 1,62,728. In this, your total investment will be ₹90,000 and the profit will be Rs 72,728.

Sukanya Samriddhi Yojana (SSY):

Sukanya Samriddhi Yojana 2025 is the flagship scheme of the Central Government, which is especially meant to financially secure the future of daughters.

Minimum investment: Rs 250

Interest Rate: 8.2% (till June 2025)

Maturity: 21 years or marriage of daughter (after 18 years of age)

Eligibility: Daughter must be below 10 years of age

If you invest Rs 500 every month or Rs 6,000 annually, then after 15 years your amount will become Rs 2,77,103. Total investment only Rs 90,000, profit Rs 1,87,103!

Post Office RD Scheme:

If you are looking for a short-term savings plan, then Post Office Recurring Deposit (RD) Scheme 2025 is a great option.

Minimum investment: Rs 100 per month

Interest Rate: 6.7%

Maturity: 5 years

Security: Guaranteed by the government

If you invest Rs 500 every month, a total of Rs 30,000 will be accumulated in 5 years and you will get Rs 35,681 on maturity.

 

Big profits from small investments

Starting with just Rs 500, you can build a large fund, that too without any stock market risk. All these schemes are backed by the government, which guarantees safety and reliability.

Whether you are from a middle-class family or a salaried class youth, these plans can help you in achieving your bigger goals like retirement planning, daughter’s education or buying a home.

 

Desclaimer: For any financial invest anywhere on your own responsibility, Times Bull will not be responsible for it.