Comparison of different Savings Schemes available in India, duration of the scheme, interest rate, minimum and maximum amount and tax liability on the return of investments.
| Savings Scheme | Duration | Interest Rate p.a. | Minimum Amount | Maximum amount | Tax Liability |
| Fixed Deposit | 7 to 10 Years | 3.50% to 6.80% | Rs. 500 | No Limit | As per Income Slab. TDS 10% above Rs. 40000 |
| ELSS | 3 Years | Rs. 100 | No Limit | Long Term Capital Gain 10%, Dividend Tax 10% | |
| National Saving Certificate (NSC) | 5 Years | 6.80% | Rs. 100 | No Limit | Tax as per slab |
| Post office monthly Income scheme | 5 Years | 6.60% | Rs. 1500 | Rs. 450000 p.a. | As per Income Tax slab |
| Senior Citizen Saving Scheme | 5 Years | 7.40% | Rs. 1000 | Rs.1500000 | As per income tax slab |
| EPF | 5 Years | 8.50% | 12% of Basic Salary | Not taxable after completion of lock in period | |
| VPF | 5 Years | 8.50% | amount above 12% of basic salary | Up to 100% of basic salary | Not taxable after completion of lock in period |
| Public Provident Fund (PPF) | 15 Years | 7.10% | Rs. 500 | Rs. 1500000 | Not taxable |
| Kisam Vikas Patra | 124 Months | 6.90% | Rs. 1000 | No Limit | Taxable |
| SSY | 15 years Girl child till 21 years or married after 18 years |
7.60% | Rs. 250 | Rs.1500000 | Interest is tax exempt |
| Atal Pension Yojana (APY) | 20 Years | - | Rs. 1000 monthly pension | Rs. 5000 monthly pension | Not taxable |
| National Pension Scheme (NPS) | up to age 60 | 5% to 8% | Rs. 1000 | No Limit | 60% tax free. 40% as per slab |
| Pradhan Mantri Jan Dhan Yojana | - | 4% | No limit | No limit | Not taxable |
| Deposit Scheme for retiring Government employees | - | 9% | Rs. 1000 | Total retirement benefits | Not taxable |
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