10 small saving schmes and their intrest rates.

Interest Rate: 7.1% per annum (compounded yearly) Lock-in Period: 15 years

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Interest Rate: 8.0% per annum (compounded yearly) Lock-in Period: Until the girl child turns 21 or upon marriage after 18

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Interest Rate: 8.2% per annum (compounded quarterly) Lock-in Period: 5 years (extendable by 3 years)

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Interest Rate: 7.7% per annum (compounded yearly) Lock-in Period: 5 years

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Interest Rate: 7.5% (amount doubles in approximately 115 months) Lock-in Period: 115 months or until maturity

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Interest Rate: 7.4% per annum (payable monthly) Lock-in Period: 5 years

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Interest Rate: 1-Year: 6.9%, 2-Year: 7.0%, 3-Year: 7.0%, 5-Year: 7.5% Lock-in Period: 1, 2, 3, or 5 years (depending on deposit term)

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Interest Rate: 6.5% per annum (compounded quarterly) Lock-in Period: 5 years

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Interest Rate: 4% per annum (compounded yearly) Lock-in Period: No lock-in period

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Interest Rate: Depends on the age of entry and contribution; pension is guaranteed between ₹1,000 to ₹5,000 per month after 60 Lock-in Period: Until 60 years of age

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10 small saving schmes and their intrest rates.

Interest Rate: 7.1% per annum (compounded yearly) Lock-in Period: 15 years

Public Provident Fund (PPF)

Interest Rate: 8.0% per annum (compounded yearly) Lock-in Period: Until the girl child turns 21 or upon marriage after 18

Sukanya Samriddhi Yojana (SSY)

Interest Rate: 8.2% per annum (compounded quarterly) Lock-in Period: 5 years (extendable by 3 years)

Senior Citizens Savings Scheme (SCSS)

Interest Rate: 7.7% per annum (compounded yearly) Lock-in Period: 5 years

National Savings Certificate (NSC)

Interest Rate: 7.5% (amount doubles in approximately 115 months) Lock-in Period: 115 months or until maturity

AffordabKisan Vikas Patra (KVP)le and Low Maintenance

Interest Rate: 7.4% per annum (payable monthly) Lock-in Period: 5 years

Post Office Monthly Income Scheme (POMIS)

Interest Rate: 1-Year: 6.9%, 2-Year: 7.0%, 3-Year: 7.0%, 5-Year: 7.5% Lock-in Period: 1, 2, 3, or 5 years (depending on deposit term)

Post Office Time Deposit (POTD)

Interest Rate: 6.5% per annum (compounded quarterly) Lock-in Period: 5 years

Recurring Deposit (RD)

Interest Rate: 4% per annum (compounded yearly) Lock-in Period: No lock-in period

Post Office Savings Account

Interest Rate: Depends on the age of entry and contribution; pension is guaranteed between ₹1,000 to ₹5,000 per month after 60 Lock-in Period: Until 60 years of age

Atal Pension Yojana (APY)