If you are looking for investment options that offer good returns without requiring a significant amount of capital, the government has introduced several schemes to benefit the public. These schemes are designed to ensure financial security and eliminate the risk of money shortages in the future.

Throughout this article, we will tell you about some government schemes. These schemes provide consistently better returns with minimal investment. Investing often comes with questions about risk and profitability, but these schemes are tailored to offer both security and returns. Let’s explore these government-backed opportunities designed to maximize your earnings.

Systematic Investment Plan (SIP)

Nowadays, investing in mutual funds through SIP is a very popular option. It offers the benefit of compounding, allowing many people to get better returns over the long term. This investment option provides a return of about 12%. You can start with any amount and increase your investment over time, which will also increase your profit.

For example, you can invest Rs 500 every month. If you continue this for 15 years, you will earn 12% interest. At the end of 15 years, your maturity amount will be Rs 30,27,456. If you extend the investment for 20 years, the maturity amount will increase to Rs 59,94,888.

Pradhan Mantri Sukanya Samriddhi Yojana (SSY)

Pradhan Mantri Sukanya Samriddhi Yojana (SSY) is a government initiative aimed at securing the future of daughters in India. It supports savings for their education and marriage. You can start investing in this scheme with a minimum amount of Rs 250.

This scheme offers an interest rate of up to 7.6% and requires investments for 15 years, with maturity after 21 years. If you invest Rs 500 every month, Rs 6,000 will be deposited annually into your account, along with the accrued interest. This scheme is a great option for long-term savings.