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Domestic Saving Invesment
Instruments
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Rate of Return on
Investment
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Lock-in period of 5 Yrs.
Maturity Amount is Taxable
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Over Draft / Loan Facility
against FD's
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Post Off - PPFs, POMIS,
KVPs
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Controlled by Central
government guidelines
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8-10% Compounding.
Average on other
Instruments
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Lock-in period of 5 Yrs.
Maturity Amount is Taxable
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Loan Facility after 5 Yrs.
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Govt / Infrastructure Bonds
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Controlled by Central
government guidelines
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Lock-in period of 7 Yrs.
Maturity Amount is Taxable
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Bonds are tradeable /
Loan by PSU Banks
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Average of 15-18% over
a 8-10 Yr Platform
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Anytime Surrender
options
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Options of Short / Long
Term Surrender & devoid of
EET
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Tax Saving Bonds with 3
yrs lock-inavailable &
Sector Specific
Investments
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Equity Linked Savings
Schemes offered by
Banks.
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Average of 15-18% over
a 8-10 Yr Platform
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Anytime Surrender
options
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Options of Short / Long
Term Surrender & devoid of
EET
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Tax Saving Bonds with 3
yrs lock-inavailable &
Sector Specific
Investments
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Real Estate - Flats /
Buildings
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Investment Guarantee
+ Appreciation
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Economic Values /
Social Threat
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Average of 25-40% over
a 8-10 Yr Platform
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Demand / Supply
reactions
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Capital Gain Tax on Sale
proceeds
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Investment Guarantee
+ Appreciation
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Economic Values /
Social Threat
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Average of 25-40% over
a 8-10 Yr Platform
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Demand / Supply
reactions
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Capital Gain Tax on Sale
proceeds
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Investment Guarantee
+ Appreciation
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Economic Values /
Social Threat
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Average of 20-30% over
a 8-10 Yr Platform
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Anytime Surrender
options
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Strict controls by IRDA
Board of Indian Govt
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15-18% compounding
over a 10-20 Yr
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Lock-in period of 3 Yrs.
Maturity Amount is also
Tax-free
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Life Cover for the
Investor. Loan Facility
after 5 Yrs.
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Unit Linked Insurance
Products
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Strict controls by IRDA
Board of Indian Govt
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15-18% compounding
over a 10-20 Yr
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Lock-in period of 3 Yrs.
Maturity Amount is also
Tax-free
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Life Cover for the
Investor. Loan Facility
after 5 Yrs.
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