I wish All my readers a Very Happy new Year. Since financial year end is approaching fast, we have very less to to invest in tax savings instruments. Please find comparison of various investment options in the form of a ready reckoner.
Since this might not display correctly, I am also attaching an Image.
| Schemes | Min Amount (In Rs.) | Maximum Amount (In Rs.) | Annual Returns | Maturity/ Lockin Period (In Years | Tax Benefit | Risk | Returns |
| Health Insurance for family | NA | 15000 | NA | NA | Under Section 80D, over and above limit of 1 lac Under section 80C | NA | NA |
| Health Insurance for Senior Citizen (Parents) | NA | 20000 | NA | NA | Under Section 80D, over and above limit of 1 lac Under section 80C | NA | NA |
| National Savings Certificate | 100 | No Limit | 8% | 6 | Under Section 80C | Very Low | Low Medium |
| Five Year Bank FD | 10000 | 100000 | 6.50% | 5 | Under Section 80C | Very Low | Low |
| ELSS | 500 | No limit however tax saving benefit only upto 1 lac | Not assured | 3 | Under Section 80C | High | Market Linked |
| ULIP's | NA | No limit however tax saving benefit only upto 1 lac | Not assured | 5 | Under Section 80C | Medium to high | Market Linked |
| Employee Provident Fund | NA | NA | 9.50% | NA | Under Section 80C | Very Low | Medium |
| Public Provident Fund | 500 | 70000 | 8% | 15 | Under Section 80C | Very Low | Low |
| NABARD Bhavishya Nirman Bond | 8250 | No Limit | 8.29% | 10 | Under Section 80C | Very Low | Low |
| NABARD Rural Bond | 5000 | 100000 | 5.13% | 5 | Under Section 80C | Very Low | Very Low |
| New Pension System | 6000 | No Limit | Not assured | Till attaining the age of 60 Years | Under Section 80C | Very low to medium | Market Linked |
| Infrastructure Bonds issued by Infrastructure Finance Companies | 5000 | No limit however tax saving benefit only upto Rs 20000 | 8%- 8.25% | 10 / Lockin 5 | Rs 20000 under Section 80 CCF, over and above limit of 1 lac Under section 80C | Very Low | Medium |
| Kisan Vikas Patra | 100 | No Limit | 8% | 8.7 | NA | Very Low | Low Medium |
| Post Office Monthly Income Scheme | 1500 | 450000 | 8% | 6 | NA | Very Low | Low Medium |
| Post Office Recurring Deposit Scheme | 10 | No Limit | 7.50% | 5 | NA | Very Low | Low Medium |
| Post Office Term Deposit | 200 | No Limit | 6.25% - 7.5% | 1,2,3,5 | NA | Very Low | Low Medium |
| Senior Citizen Saving scheme | 1000 | 1500000 | 9% | NA | NA | Very Low | Low Medium |
| Post Office Savings account | 20 | No Limit | 3.50% | NA | NA | Very Low | Low |
| GOI Savings Bond | 1000 | No Limit | 8% | 6 | NA | Very Low | Low |
| NHAI Bond | 50000 | No Limit | 5.50% | 3 | NA | Very Low | Very Low |
| REC Bond | 10000 | 5000000 | 5.25% | 3 | NA | Very Low | Very Low |
