Post Office scheme: Financial experts say that just as it's important to earn money, it's equally important to invest it in the right way. Now, let's learn about a great scheme that offers returns without any risk.

The National Savings Certificate is a top Post Office scheme. It's a fixed-income plan, great for safe, non-stock market growth. Your investment is secure with government backing.

It has a 5-year lock-in, so you can't withdraw early. The current interest rate is 7.7%. You can invest from Rs 1,000 with no upper limit. It's government-guaranteed.

You can claim a tax deduction of up to Rs 1.5 lakh per year on your NSC investment under Section 80C of the Income Tax Act - helping you save significantly on your annual taxes.

* Best for employees wanting tax savings without risk.* Ideal for retirees seeking stable income. * Good for parents saving for their children's future education.

For example, if you invest Rs 8,00,000 in a National Savings Certificate (NSC), you'll earn approximately Rs 3,59,226 in interest. Your total maturity amount will be Rs 11,59,226 - that's a risk-free gain of nearly Rs 3.6 lakh!

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