Top 5 Govt Schemes Beat Bank FDs: Up to 8.2% Interest in 2025

• Government savings schemes offer up to 8.2% interest, surpassing bank FD rates, with 100% security and potential tax benefits.
• PPF provides 7.1% interest over 15 years, with tax exemptions on investment, interest, and maturity.
• Sukanya Samriddhi Yojana offers the highest 8.2% interest for girls under 10, with tax benefits for education and marriage.
• Senior Citizens Savings Scheme (SCSS) offers 8.2% interest for those 60+, providing quarterly income.
• Kisan Vikas Patra (KVP) doubles investment in 115 months at 7.5% interest, offering risk-free long-term growth.

Why It Matters: Explore government schemes for higher interest and security than bank FDs.