# 10 Year National Savings Certificate:  The 10 Years National Savings Certificate is a popular and a safe small savings instrument. It is issued by the post offices in India. It offers assured benefits and tax returns.  

This scheme offers a risk free saving option to the investors. The interest rate of NSC is 8.8 percent and it has a maturity period of 10 years. You can start with a minimum deposit of 100. There is no maximum limit to invest in NSC.

# Senior Citizens Savings Scheme: Senior Citizens Savings Scheme offers higher returns to the investors. The rate of interest earned in this scheme is 9.3 percent.

The scheme comes with a maturity period of five years. The most interesting thing in this scheme is the interest is paid out every quarterly during the tenure. This small saving scheme offers secure returns with an investment limit of 1,000.

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