Sabhi Sarkari Yojana Comparison 2026 — Eligibility, Returns, Benefits
India mein 15+ sarkari yojanaein hain savings, pension, aur insurance ke liye. Yeh master comparison table aapko sabhi major schemes ki eligibility, returns, lock-in periods, aur tax benefits samajhne mein help karega taaki aap ek diversified savings portfolio bana sako.
Updated: May 6, 2026
Savings Schemes Ka Comparison
Ye schemes guaranteed ya semi-guaranteed returns ke saath wealth build karne pe focus karti hain. Ye Section 80C ke under tax deductions deti hain aur conservative investors ke liye ideal hain.
| Scheme | Eligibility | Current Rate (2026) | Lock-in Period | Tax Benefit | Min/Max Investment |
|---|---|---|---|---|---|
| Public Provident Fund (PPF) | All Indian citizens 18+ | 7.10% p.a. | 15 years (extended) | Section 80C (₹1.5L limit) + Interest Tax-free | Min ₹500, Max ₹1.5L/year |
| Sukanya Samriddhi Yojana (SSY) | Girl child under 10 years | 8.20% p.a. | 21 years (withdrawals from 18) | Section 80C (₹1.5L limit) + Interest Tax-free | Min ₹1,000, Max ₹1.5L/year |
| National Savings Certificate (NSC) | All Indian citizens | 6.80% p.a. | 5 years (7 year option) | Section 80C (₹1.5L limit) + Interest Tax-free | Min ₹1,000 (multiples of 100) |
| Kisan Vikas Patra (KVP) | All Indian citizens 18+ | 6.95% p.a. | 118 months (~10 years) | Section 80C (₹1.5L limit) + Interest Tax-free | Min ₹1,000, Max ₹3L (extended) |
| Fixed Deposit (Post Office) | All Indian citizens | 6.70% (5Y) | 1, 2, 3, 5 years | Interest taxable | No limit |
| Recurring Deposit (Post Office) | All Indian citizens | 6.40% (5Y) | 5 years | Interest taxable | ₹100-1000/month choices |
Pension & Retirement Schemes Ka Comparison
Ye schemes retirement ke dauraan regular income provide karti hain. APY aur NPS self-employed aur employed dono individuals mein popular hain. Ye Section 80CCD tax deduction deti hain.
| Scheme | Eligibility | Key Feature | Lock-in Period | Tax Benefit | Monthly Pension (₹) |
|---|---|---|---|---|---|
| Atal Pension Yojana (APY) | All Indian citizens 18-40 | Guaranteed pension based on contribution tier | Till age 60 (fixed pension then) | Section 80CCD (₹42,000/year) | ₹1,000 to ₹5,000 (based on age & contribution) |
| National Pension System (NPS) | All Indian citizens 18-65 | Self-directed or auto-managed investment | Till age 60 (partial withdrawal allowed) | Section 80CCD (₹42,000 + ₹50,000 extra for ₹2L+) | Depends on market performance |
| Senior Citizens Savings Scheme (SCSS) | Senior citizens 60+ (55 if superannuation) | Quarterly income + principal repayment | 5 years | Interest taxable but 50% deduction possible | Quarterly interest ₹500-2000 on ₹1L |
| Post Office Monthly Income Scheme (POMIS) | All Indian citizens 18+ | Monthly income in savings account | 5 years | Interest taxable | ₹1,500-₹9,000 (on ₹3-18L investment) |
Insurance & Protection Schemes Ka Comparison
Ye affordable government-backed insurance schemes hain life aur health protection ke liye. Premiums bahut kam hain aur coverage kaafi accha hai.
| Scheme | Eligibility | Coverage Amount | Annual Premium | Key Benefit | Tax Deduction |
|---|---|---|---|---|---|
| Pradhan Mantri Jeevan Jyoti Bima (PMJJBY) | 18-50 years, bank account holder | ₹2 lakhs (death benefit) | ₹330/year (flat) | Lowest cost term insurance, auto-enrollment | No deduction (insurance premium) |
| Pradhan Mantri Suraksha Bima (PMSBY) | 18-70 years, bank account holder | ₹2 lakhs (accidental death/disability) | ₹20/year (flat) | Accident coverage, cheapest option | No deduction |
| Ayushman Bharat (PMJAY) | Identified beneficiaries per state | ₹5 lakhs/year (family) | ₹0 (fully govt-funded) | Hospitalization coverage, cashless treatment | No premium payment |
| Pradhan Mantri Jan Arogya Yojana | Identified low-income families | ₹5 lakhs family coverage | ₹0 (fully govt-funded) | Secondary and tertiary care, 50,000+ hospitals | No premium payment |
Credit & Housing Schemes
Ye schemes entrepreneurs aur homebuyers ko credit access ya housing support provide karti hain.
- PM-SVANidhi: Street vendors ke liye ₹10,000 se ₹50,000 tak loans 0% interest pe 2 saal ke liye (interest subsidy ke baad). UPI/card se easy repayment.
- PM Mudra Yojana: Non-farm small businesses ke liye ₹50,000 se ₹10L tak loans. Koi collateral nahi chahiye. Sabhi banks aur NBFC se available.
- Pradhan Mantri Awas Yojana (PMAY): Credit Linked Subsidy Scheme (CLSS) home loans pe ₹6L interest subsidy deta hai ₹6L (EWS category) ya ₹9L (LIG) tak. Loan tenure pe ₹6-9L interest bachata hai.
- PM Jan Dhan Yojana (PMJDY): Zero-balance bank account ₹2L accidental death insurance ke saath. Doorstep banking aur welfare schemes ke liye direct benefit transfer.
Goal Ke Hisaab Se Scheme Selection Guide
Goal: Build Long-Term Wealth (15+ years)
Best schemes: PPF (7.10%), Sukanya Samriddhi (8.20% betiyon ke liye), NPS (market-linked returns). PPF ya SSY mein monthly maximum invest karo, phir NPS use karo additional tax savings ke liye. 50 saal ki age tak aap ₹30-50L accumulate kar sakte ho.
Goal: Get Tax-Free Returns
Best schemes: SSY (8.20% interest tax-free hai), PPF (interest tax-free hai), NSC (interest tax-free hai). Ye bina kisi tax burden ke guaranteed returns deti hain — senior citizens ya high tax brackets waalon ke liye ideal.
Goal: Create Monthly Income
Best schemes: Senior Citizens Savings Scheme (₹1L pe ₹1,000-2,000/month), Post Office POMIS (₹1,500-9,000/month), Dividend-yielding mutual funds. SCSS aur POMIS retirees ke liye perfect hain jinhe monthly cash flow chahiye.
Goal: Insure Against Death/Accident (Cheap)
Best schemes: PMJJBY (₹330/year mein ₹2L coverage), PMSBY (₹20/year mein ₹2L accidental). Ye India ke sabse saste insurance options hain. Har family ke paas kam se kam PMJJBY hona chahiye.
Goal: Access Emergency Credit (Self-Employed)
Best schemes: PM-SVANidhi (agar street vendor ho, 0% interest), PM Mudra Yojana (₹10L tak, low interest). Dono mein collateral nahi chahiye aur flexible repayment hai.
FAQ: Sarkari Yojana
Long-term investment ke liye PPF ya SSY better hai?
SSY (Sukanya Samriddhi) better hai 8.20% ke saath vs PPF ka 7.10%, lekin sirf 10 saal se chhoti ladkiyon ke liye available hai. PPF sabke liye hai aur kisi bhi age mein khol sakte ho. Agar aapki beti hai, toh pehle SSY max out karo, phir apne liye PPF use karo.
Kya 15 saal se pehle PPF se nikaal sakte hain?
7 saal complete hone ke baad partial withdrawal allowed hai, previous year ke balance ka 50% ya usse pehle wale saal ke balance ka 50% — jo bhi kam ho. 15 saal baad ya 60 ki age ke baad full withdrawal allowed hai (koi lock-in nahi). 15 saal se pehle early withdrawal se compounding benefit kho jaata hai.
APY aur NPS mein kya difference hai?
APY 60 saal ki age se guaranteed fixed pension deta hai (₹1,000-5,000 monthly contribution ke hisaab se). NPS ke returns market performance pe depend karte hain aur zyada flexibility hai lekin guaranteed income nahi. APY un logon ke liye simple hai jo guaranteed retirement income chahte hain; NPS un logon ke liye better hai jo market risk se comfortable hain aur higher returns chahte hain.
Kya sarkari yojana 100% safe hain?
Haan, yahan mention ki gayi saari sarkari yojanaein Government of India dwara issued ya backed hain. Ye aapke bank account jitni safe hain aur koi counterparty risk nahi hai. PPF, SSY, SCSS, NSC, aur KVP bank FDs se bhi zyada safe hain kyunki inke paas sovereign backing hai.