Financial Planning 2025: Build a Future-Ready Investment Strategy

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Endowment Insurance Plan

Endowment plans are the life insurance policies that serve two purposes. An endowment insurance can be used to build a risk-free savings account that protects the family financially in the event of an emergency. An endowment plan’s clarity makes it a profitable savings strategy for everyone. An endowment policy serves as a financial safety net for the policyholder and his or her family.

Unit Linked Insurance Plan (ULIP)

ULIP enables the best of both worlds by offering the twin benefits of life insurance and market-linked returns. Hence, you have the opportunity to invest your money to earn higher returns, while taking care of your protection needs.

Flexibility to manage your money
Transparency of your investments
Security for your family’s future with comprehensive maturity and death benefits
Long-term market-linked returns on your ULIP investment

Insurance

Reduce income tax on the amount of money you invest with a life insurance policy. Section 80C of the ITA permits tax deductions on premiums and payouts of life or term insurance plans. Premiums paid towards your life insurance will not be taxed if they are under a total of ₹1.5 lakhs. Section 10(10D) of the ITA allows any payouts received under a life insurance policy to be exempt from tax.

Fixed Deposits: Tax Saving FD for Sec 80C

Senior Citizens Savings Schemes can be availed by any individual above the age of 60 years. They are effective savings options for the long term and offer attractive features and unmatched security.

Why to invest?

Dual benefits of attractive interest rates and tax saving
Invest as small as ₹10,000
Get tax deduction up to ₹1,50,000 under Section 80C
Flexible interest pay out – monthly, quarterly or reinvestment in principal
Know before you invest
5-year lock-in period
Minimum investment of ₹10,000 and maximum of ₹150,000 for a duration of 5 years
Nomination – Nominate a single nominee to your account proceeds, whether held solely or jointly. No premature withdrawal and auto-renewal facility
Interest earned is taxable
FD allows only a one-time lump sum deposit

SCSS – Senior Citizen Savings Scheme

Senior Citizens Savings Schemes can be availed by any individual above the age of 60 years. They are effective savings options for the long term and offer attractive features and unmatched security.

Some of the main benefits of the scheme are:

Tax benefits are provided
Safe to invest in the scheme
Interest rate has been reduced from 8.6% to 7.4%
Premature withdrawal is allowed

National Saving Certificate (NSC)

National Saving Certificate (NSC), a part of the Indian Postal Service is a type of savings bond provided by the Indian Government used for small tax savings.

National Saving Certificate Benefits:

Except the interest earned in the last year, it can be totally tax-free
The denominations range between Rs 100 and Rs 1000 for investing in NSCs but can invest according to your status as there is no limit set on the amount
One can have the benefits of saving taxes as it comes under Income Tax Act, Section-80C which provides with the benefits as the Investor Tax
An applicant can apply for the certificate on minor’s behalf also
It is a possible way to secure loans

Sukanya Samriddhi Yojana (SSY)

Sukanya Samriddhi Yojana (SSY) is a savings scheme launched back in 2015 as part of the Government initiative Beti Bachao, Beti Padhao campaign. This scheme enables guardians to open a savings account for their girl child with an authorized commercial bank or India Post branch.

Double Tax Benefits:

Under Section 80C of Income Tax Act, deposits up to Rs.1,50,000 are eligible for a deduction
The interest earned on the deposit is tax free
Attractive rate of interest
Account holders can earn 7.6% interest (01.10.2020 to 31.12.2020) on their deposits
Yearly interest credited in the account at the end of Financial Year

Public Provident Fund (PPF)

Public Provident Fund Scheme is a Central Government scheme, framed under the PPF Act of 1968. Thus we can say PPF is a government backed, long term Small Savings Scheme. The Scheme offers an investment avenue with decent returns coupled with income tax benefits.

PPF Product Features:

Attractive interest rate of 7.1% that is fully exempted from Income Tax under Section 80C
Good long term investments of 15 years
Minimum deposit Amount is Rs.500 and maximum Rs.1,50,000 in one financial year
Loan can be availed between 3rd to 6th financial year
Partial withdrawal facility can be availed after completion of 5 financial years
Account can be extended in a block period of 5 years after maturity

National Pension Scheme (NPS)

National Pension System (NPS) is a defined contribution based pension scheme wherein the subscriber contributes to his/her account regularly. Any Citizen of India with age between 18 to 65 years can join NPS. Under NPS, individual savings are pooled in to a pension fund which are invested by PFRDA regulated professional fund managers as per the approved investment guidelines in to the diversified portfolios comprising of Government Bonds, Bills, Corporate Debentures and Shares.

Features

Choice of fund option

Tax Benefits & Pension Planning

Various Tax Benefits available u/s 80 CCD 2 upto 1,50,000/- + upto Rs 50,000/- u/s 80 CCD 1 (B) as well as plan for retirement income.

Ease of access

The NPS account can be managed online. Once NPS account is opened, online access credentials is provided by CRA (KARVY). Subscriber can login and view/manage his NPS account online.

ELSS Fund

ELSS or Equity Linked Savings Schemes

ELSS Funds – Invest in Tax Saving Mutual Funds & Save Upto ₹46,800 in Taxes
Trusted By Over 40 lakh Indians

Save up to ₹46,800 a year in taxes
Potential to offer the highest returns among all 80C options
Lock-in period of 3 years, the shortest among all 80C options
Get your investment proof instantly

INVEST IN TAX SAVING FUNDS & SAVE TAX UP TO

₹46,800

Invest before 31st March to claim 80C benefit

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Tax Benefits & Pension Planning

Ease of access

ELSS or Equity Linked Savings Schemes

INVEST IN TAX SAVING FUNDS & SAVE TAX UP TO

₹46,800