Don’t Want Market Risk? These Government Schemes Pay 7–8% Guaranteed Returns

Some government-backed savings schemes are currently offering 7–8%+ guaranteed returns, backed by sovereign guarantee. A few popular ones investors track: 1) Sukanya Samriddhi Yojana (SSY) – ~8.2% | Tax-free (EEE) 2)Senior Citizen Savings Scheme (SCSS) – ~8.2% | Quarterly income 3) RBI Floating Rate Bonds – ~8.05% | Reset every 6 months 4) National Savings Certificate (NSC) – ~7.7% | 5-year tenure 5) Public Provident Fund (PPF) – ~7.1% | Long-term tax-free compounding Unlike mutual funds, these returns are not market-linked. They won’t create multibagger wealth, but they provide capital safety and predictable income. That’s why many portfolios use them as the low-risk foundation alongside equities.