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| Tax treatment | Min investment | Compare | ||||
|---|---|---|---|---|---|---|
| India Post Monthly Income Scheme · any post office | Very low | 7.4% fixed | 5 years | Interest is fully taxable at your slab rate; no TDS is deducted but you must declare it | ₹1,000 minimum, up to ₹9L (single) or ₹15L (joint) | |
| SCSS at SBI, Post Office, major banks · age 60+ only | Very low | 8.2% fixed | 5 years (extendable by 3) | Deposit eligible for 80C deduction up to ₹1.5L; interest is fully taxable and TDS applies above ₹50,000/yr | ₹1,000 minimum, up to ₹30L maximum | |
| Any equity/hybrid MF via CAMS/KFintech | Low-medium | 8–12% | None | Each withdrawal is treated as a partial redemption — only the gains portion is taxed (LTCG/STCG rules), not the full withdrawal | No separate minimum — set up on an existing mutual fund holding | |
| RBI Retail Direct portal | Very low | 8.05% fixed | 7 years | Interest is fully taxable at your slab rate; TDS applies | ₹1,000 minimum, no maximum limit | |
| SBI, HDFC, ICICI, Axis Bank FDs | Very low | 7.5% fixed | 1-5 years (your choice) | Interest is fully taxable at your slab rate; TDS deducted above ₹40,000/yr (₹50,000 for senior citizens) | ₹1,000-5,000 minimum, varies by bank | |
| Embassy Office Parks | Low-medium | 7–12% | None | Distributions may include a mix of dividend, interest, and capital repayment components — each taxed differently. Interest and dividend components are taxable at your slab rate; the capital repayment portion is tax-free (reduces cost basis) | 1 unit (typically ₹250-400 per unit) | |
| Mindspace | Low-medium | 7–12% | None | Distributions may include a mix of dividend, interest, and capital repayment components — each taxed differently. Interest and dividend components are taxable at your slab rate; the capital repayment portion is tax-free (reduces cost basis) | 1 unit (typically ₹250-400 per unit) | |
| Nexus Select Trust | Low-medium | 7–12% | None | Distributions may include a mix of dividend, interest, and capital repayment components — each taxed differently. Interest and dividend components are taxable at your slab rate; the capital repayment portion is tax-free (reduces cost basis) | 1 unit (typically ₹250-400 per unit) | |
| Brookfield India | Low-medium | 7–12% | None | Distributions may include a mix of dividend, interest, and capital repayment components — each taxed differently. Interest and dividend components are taxable at your slab rate; the capital repayment portion is tax-free (reduces cost basis) | 1 unit (typically ₹250-400 per unit) | |
| HDFC NCD | Medium | 8–11% | 1-5 years (varies by issue) | Interest is fully taxable at your slab rate; capital gains on listed NCDs sold before maturity follow debt taxation rules | ₹10,000-25,000 minimum, varies by issue | |
| Tata Capital NCD | Medium | 8–11% | 1-5 years (varies by issue) | Interest is fully taxable at your slab rate; capital gains on listed NCDs sold before maturity follow debt taxation rules | ₹10,000-25,000 minimum, varies by issue | |
| Bajaj Finance NCD | Medium | 8–11% | 1-5 years (varies by issue) | Interest is fully taxable at your slab rate; capital gains on listed NCDs sold before maturity follow debt taxation rules | ₹10,000-25,000 minimum, varies by issue |