Due to the big fall in the stock market in the last few days, crores of rupees of investors have been lost. The returns in the stock market are definitely better but the risk is also in the same proportion. In such a situation, if you are afraid of the stock market, then you can choose an investment scheme that gives guaranteed returns, such as Fixed Deposit (FD), PPF, Recurring Deposit (RD), Sukanya Samriddhi, etc. Today we are telling you about the scheme that gives the best guaranteed returns. 

Fixed Deposit (FD)

Fixed deposit is one of the favorite savings schemes of Indians. FD has maintained its unique status even amidst the growing craze of mutual funds and the stock market. Even today, most common people in the country consider fixed deposits as the safest investment. You get a guaranteed fixed return on your investment in FD. Senior citizens are given 0.5 percent more interest on FD as compared to general customers. Common people can choose the period of FD from 7 days to 10 years as per their convenience. 

Benefits of investing in FD 

FDs are safe investment options. When you invest in an FD, you deposit a lump sum amount in a bank for a predetermined period at a fixed interest rate. This interest rate remains constant throughout the period of deposit, thereby ensuring stability in returns. FDs usually have different tenure options, ranging from a few days to several years. The interest earned on FDs is higher than on savings accounts, making it an attractive option for investors looking for stable returns.

Investing in Recurring Deposit (RD) 

Recurring Deposits (RD) are a systematic way of saving money regularly. In RD, investors deposit a fixed amount of money at regular intervals, usually monthly, in a bank or financial institution. These deposits accumulate over time and earn interest similar to FDs. RDs also come with a predetermined period, and the interest rates offered are usually similar to FDs. You can open RDs in banks and post offices. One can easily get up to 7 percent interest on RD. 

Sukanya Samriddhi Scheme

Sukanya Samriddhi Yojana is a very special scheme of the Government of India. This scheme has been designed to shape the bright future of daughters, so that there is no problem in their education and marriage. This scheme is very attractive for the fathers of daughters. Along with investment, one also gets the benefit of tax exemption. You can start investing in it with just Rs 250. It is also a safe and excellent return-giving scheme. According to the official website of India Post, the Sukanya Samriddhi Yojana account can be opened by the guardian in the name of any girl child (daughters) below the age of 10 years. Interest is being given on this at the rate of 8.2% with a government guarantee. 

Public Provident Fund (PPF) 

The Public Provident Fund (PPF) is a popular savings scheme among small investors. This savings scheme helps small investors to create a large fund in the long term. This savings scheme provides tax exemption and guaranteed returns to investors. Therefore, it is an ideal option for safe investment among investors. You can start investing in PPF with Rs 500. There is no chance of risk in PPF investment, rather the government itself protects your investment. This account matures in 15 years and if the investor wants, he can extend it further. Currently, PPF is getting interest at the rate of 7.1 percent. 

Post Office Monthly Income Scheme (MIS)

If you want to earn some income every month along with investment, then you can invest money in the Post Office Monthly Income Scheme in the post office. This scheme earns money every month. If you want, you can withdraw the amount every month or you can withdraw it in bulk. This is a saving scheme of the Government of India, so it is a completely safe investment. Opening an account and investing under this scheme is very easy. You can go to your nearest post office and apply to open an account. A single adult can open a Post Office Monthly Income Scheme account. Not only this, three people can also open a joint account and invest money. Also, if someone is a minor above 10 years of age, then he can also run an MIS account in his name. If there is a minor/person of unsound mind, then a guardian can open this Post Office MIS account on his behalf. Currently, 7.4 percent annual interest is being received on the deposit amount in this scheme.

You can start investing in the Post Office Monthly Income Scheme with a minimum of Rs 1000. You can invest in multiples of 1000. However, according to India Post, there is a fixed limit for investment in the scheme. A single account holder can invest a maximum of Rs 9 lakh. If there is a joint account, then the maximum limit for it is Rs 15 lakh. In a joint account, all members have an equal share.