MIS pays 7.4% a year. ₹1 lakh earns about ₹617 every month. One person can deposit up to ₹9 lakh, or ₹15 lakh in a joint account.

The Senior Citizen Savings Scheme is for people over 60. It pays 8.2% a year, every quarter, on deposits up to ₹30 lakh.

At 7.5%, Kisan Vikas Patra doubles your money in 115 months, which is 9 years 7 months.

NSC pays 7.7%, compounded yearly and paid at the end of 5 years. ₹1 lakh becomes about ₹1.45 lakh, and the deposit qualifies for 80C.