Government Schemes
10 articles
Browse all articles about Government Schemes - expert insights and practical guides for managing your finances.
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Atal Pension Yojana (APY) 2026: Chart, Benefits & Rules
Full APY contribution chart for ages 18–40 across all five pension slabs, corpus amounts, eligibility (including the income-tax-payer rule), how to enrol, penalties, and tax treatment under 80CCD.
Best government savings schemes in India 2026
PPF, SSY, SCSS, POMIS, NSC, KVP, NPS, Mahila Samman — Q1 2026-27 interest rates, tax treatment, and which scheme actually suits your situation.
Mahila Samman Savings Certificate 2026: Closed — What to Do Instead
Mahila Samman Savings Certificate closed for new deposits from April 2025. What the scheme was, who it helped, and the three best alternatives for women investors in 2026.
NPS guide India 2026: tax benefits, Tier 2, Vatsalya
NPS tax deductions explained: 80CCD(1), 80CCD(1B) ₹50K extra, 80CCD(2) employer benefit, new tax regime rules, NPS Vatsalya for kids, fund manager comparison.
NSC vs KVP 2026: which one actually suits you?
NSC offers 7.7% with a Section 80C deduction. KVP offers 7.5% and doubles money in 115 months with no tax benefit. A side-by-side breakdown with real maturity math.
Post Office MIS (POMIS) 2026: Interest Rate, Calculator & Rules
POMIS interest rate is 7.4% for April–June 2026, paid monthly. Single account cap ₹9 lakh, joint ₹15 lakh. See monthly payouts, premature rules, and how it stacks up against FD and SCSS.
SCSS 2026: Senior Citizen Savings Scheme Interest Rate & Calculator
SCSS interest rate is 8.2% for April–June 2026, paid quarterly. Max deposit ₹30 lakh. Eligibility, 80C deduction, TDS rules, premature closure penalties, and a worked payout example.
Small Savings Scheme Interest Rates: 2020–2026 History
Quarter-by-quarter interest rate history for India's small savings schemes — PPF, SSY, SCSS, NSC, KVP, POMIS, and more — from FY2020-21 through Q1 FY2026-27. The complete record in one place.
Sukanya Samriddhi Yojana (SSY) 2026: Complete Guide
Current SSY interest rate (8.2% for Apr–Jun 2026), deposit limits, 21-year maturity rules, partial withdrawal at 18, EEE tax status, documents, and how to deposit online and check your balance.
PMFBY 2026: ₹1 Lakh Crop Insurance for ₹2,000 — How to Apply & Claim
PM Fasal Bima Yojana 2026 complete guide: Pay just ₹1,500 for ₹1 lakh crop insurance. Learn premium rates (2% Kharif, 1.5% Rabi), online application process, claim settlement in 15 days, common problems with delayed claims, and how 4.19 crore farmers are using PMFBY. Real farmer examples included.