Agar aap har mahine ₹500–₹5000 tak bacha sakte ho, to India me kuch best schemes available hain jahan aapka paisa safe bhi rahega aur achha return bhi milega.
Yeh guide aapko help karegi best monthly saving scheme choose karne me — chahe aap student ho, salaried ho ya housewife.
🏦 Top 7 Monthly Saving Schemes in India (2025)
1️⃣ Recurring Deposit (RD) – Bank/Post Office
- Minimum: ₹500/month
- Tenure: 6 months to 10 years
- Interest: 6.5% to 7.2% annually
✅ Risk-free, fixed return
📌 Post Office RD = Govt. backed
2️⃣ Public Provident Fund (PPF)
- Lock-in: 15 years
- Monthly deposit: ₹500 to ₹12,500
- Interest: ~7.1% (tax-free)
✅ Best for long-term goals (tax-free returns)
📌 Use SIP to invest monthly in PPF
3️⃣ SIP in Mutual Funds (ELSS or Index Funds)
- Minimum: ₹100–₹500/month
- Returns: 10–15% long-term
- Liquidity: Anytime (except ELSS – 3 years lock-in)
✅ High returns, compounding benefit
📌 Start with Zerodha Coin, Groww, or Paytm Money
4️⃣ Post Office Monthly Income Scheme (POMIS)
- Deposit: ₹1500 to ₹9 lakh
- Fixed monthly interest payout
- Interest: ~7.4%
✅ Safe + regular monthly income
📌 Lock-in 5 years, suitable for senior citizens or homemakers
5️⃣ Sukanya Samriddhi Yojana (For Girl Child)
- Monthly: ₹250 to ₹12,500
- Interest: ~8.2% (2025 rate)
- Lock-in till girl turns 21
✅ Tax-free, govt-backed
📌 Only for parents of girl child below 10 years
6️⃣ Chit Funds (Regulated only)
- Monthly pooling + one-time payout system
- Use only registered chit companies
✅ Option for disciplined savings + loan
❌ Risky if unregulated
7️⃣ Saving in Digital Gold (Small Amounts)
- Monthly buy via PhonePe, Paytm, Groww
- 24K gold, stored securely
- Can be redeemed as coin or money
✅ Good for gifting or emergency funds
🧮 Comparison Table
| Scheme | Monthly Amt | Interest | Lock-in | Risk |
|---|---|---|---|---|
| RD | ₹500+ | 6.5–7.2% | Flexible | Low |
| PPF | ₹500–12.5K | 7.1% (tax-free) | 15 years | Very Low |
| SIP | ₹100+ | 10–15% | 0–3 yrs | Medium |
| POMIS | ₹1500+ | 7.4% | 5 years | Very Low |
| SSY (girl child) | ₹250+ | 8.2% | 21 yrs | Very Low |
| Chit Funds (regulated) | ₹1000+ | Varies | 1–3 yrs | Medium |
| Digital Gold | ₹100+ | Market linked | None | Medium |
🔗 Internal Links
- Top 5 Mutual Funds for Beginners in 2025
- PPF vs RD – Which is Better for Monthly Saving?
- How to Start SIP with ₹100 per Month
✅ Conclusion
Monthly saving karna ek habit hai — aur agar aap sahi scheme choose karte ho to future secure ho sakta hai. Chahe risk low ho ya return high — aapke liye perfect plan mil sakta hai.
📢 Daily personal finance tips ke liye visit karo: ComputerAcademy.in
Next Article Ideas (Personal Finance):
- What is Digital Gold & How It Works?
- Best Investment Plan for College Students – Start with ₹100
- How to Open a PPF Account Online – Step-by-Step Guide
