Investment Calculator - Plan Financial Future | Nivesguru

Post Office schemes

Pension / Bima Yojana

Pensions plans are the basic steps to secure your future. If you've started investment and seeking for different options to invest and not started any pension plans then you can checkout those available options like National Pension Scheme (NPS), Public Provident Fund (PPF), Atal Pension Yojana (APY), Pradhan Mantri Jeevan Jyoti Bima Yojana (PMJJBY), Pradhan Mantri Suraksha Bima Yojana (PMSBY) or Secure your Girls future with Sukanya Samriddhi Yojana (SSY). Here're some best Insurance Plan / Bima Yojana from the Indian Government to ensure its citizens get covered from accidental loss / death benefits. Also some other pension schemes are available to secure your retirement. Those are the best options where you'll get benefited with minimal premium and maximum return or benefit as coverage. You can check the calculators for investment and its return absolutely free of cost.

Government Bonds

Another alternative investment for Indian citizens / investors to keep the money secure and risk free. Also get some good interest that can beat inflation for their invested money. Kisan Vikas Patra (KVP), National Savings Certificate (NSC) or Sovereign Gold Bond (SGB) like Government bonds / certificates are the opportunities provided by the Government of India. There are some locking periods for those options and some of them have the early access to partial / full withdrawal facilities available with minimum penalties. Where you can survive the emergency situations or can borrow a loan from financial institutes by mortgaging them. You can borrow the loan amount up to 50-90% of your Bonds value.

Financial | Tax Calculator

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Bank Deposits

Bank Deposits are the best investment known for Indians and trust level is very high here. India's most citizens / investors are linked with the Indian economy with bank's savings account, recurring deposit and fixed deposit schemes. The interest is higher in recurring deposits (RD) or fixed deposits (FD) instead of savings accounts for investors / account holders. But savings schemes have the opportunity of liquidity where without any locking periods or penalty for early withdrawals. A person can withdraw money from his / her account. Also now have the opportunity of Pradhan Mantri Jan-Dhan Yojana to open a zero balance bank account with ease and take benefit of such opportunities. In this era of Digital India introduced by our respected Prime Minister of India. Bank sectors are very flexible with door step service and online activities like UPI payments are now the most popular framework over the Globe. Nivesguru is trying to inform or remind you about some important updates and activities to secure the financial future with some free tools / calculators as an illustrative way to understand those who are not aware or skip those things during daily work-life balance.