Investment Plan : This investment plans are more safe and good returns plan 2023

Investment Plan
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Which is more safe and good returns investment plan than FD? In this blog we will talk about a pension scheme, a short term investment plan and a bond which provides us with good returns along with safety in 2023.

Gratuity Investment Plan:

 What is the first gratuity?

We can also call gratuity as a pension plan launched by the Government of India. Gratuity was passed by the Government of India in the year 1972. Gratuity remains available for all the employees of India. Gratuity was started by the Government of India for all the employees of India. Gratuity is a type of reward, which is given by the companies to its employees when the employees satisfy the terms and conditions of the company.

what is the eligibility criteria for Gratuity?

Employee must have worked in the company for at least 5 years or more. The organization which has more than 10 employees has been given the right to give gratuity.

how to calculate gratuity?

a small part of the employee’s salary and a large part of the company’s contribution remain in gratuity.

formula for gratuity calculation:

Gratuity = Last drawn monthly salary × number of years × 15 / 26

 We understand it by example:

 Suppose that

Salary :₹50,000

Tenure: 5 years

Gratuity amount= 80,000×5×15/26= ₹ 2,30,769

 Now suppose

Salary : ₹1,00,000

Tenure: 20 Years

Gratuity amount= 1,00,000×20×15/26= ₹ 11,53,846

what is the maximum limit of gratuity amount?

Just saw the calculation of your gratuity amount, which you must be feeling that how good amount you are getting, then our future will be secure. But it is not like this, the Government of India has fixed the maximum limit of gratuity amount which is ₹ 20 lakh. If your gratuity amount is more than ₹ 20 lakh, then you will get ₹ 20 lakh as gratuity amount, but the extra income will not be counted in the gratuity amount.

what are the tax benefits available in gratuity?

  • Gratuity is tax free for government employees, municipal employees and army forced.
  • Private/Corporate Employees – Tax Exemption up to 20 Lakhs.

Treasury bills (T-Bills):

Treasury bills (T-Bills) are a type of short term investment plan. When the government needs money only for 1 year, then it issues Treasury bills (T-Bills) through RBI. RBI issues a quarterly calendar for Treasury bills (T-Bills) issue, which we get on the official website of RBI.

what is the maturity period of Treasury bills (T-Bills)?

Treasury bills (T-Bills) are a short term investment, so their maturity period is also short.

  • 91 days: Auction every Wednesday
  • 182 days: Auction alternate Wednesday
  • 364 days: Auction alternate Wednesday

where we can buy Treasury bills (T-Bills)?

  • We can buy Treasury bills (T-Bills) from the goBID website of NSE (NATIONAL STOCK EXCHANGE).
  • You can also buy Treasury bills (T-Bills) from any stockbroker.
  • Treasury bills (T-Bills) purchased from NSE’s goBID website and stock broker are directly stored in your demat account.

what are the tax benefits in Treasury bills (T-Bills)?

Treasury bills (T-Bills) is a short-term investment plan, due to which Treasury bills (T-Bills) are subject to short-term capital gains tax. The short term capital gains tax applicable on Treasury bills (T-Bills) depends on the tax slab of the investor. Treasury bills (T-Bills) can be easily bought and sold.  Liquidity is high in Treasury bills (T-Bills), due to which Treasury bills (T-Bills) can be bought and sold at any time. If you want to sell Treasury bills (T-Bills) before their maturity period, then you can easily sell them.  You can sell your Treasury bills (T-Bills) at their current price. Treasury bills (T-Bills), along with giving better returns than FD, also provide good security.

Sovereign Gold Bond (SGB):

Sovereign Gold Bond was launched in 2015 under the Gold Monitoring Scheme of the Government of India. Right from its launch, term & condition, price & interest etc., RBI INDIAN GOVT.  Decides only after consulting with. You have seen that the scheme which is being regulated by RBI itself, there can be no such thing as risk in it. The SGB scheme has been considered the best scheme of the Government of India, in which you can subscribe to the bonds online or by going to the post office. In Sovereign Gold Bond (SGB), bonds have to be subscribed on specific 5 days of every month and bonds are issued in the same 1 week.

What is the interest rate of Sovereign Gold Bond (SGB):

  • SGB has an interest rate of up to 2.5% and is credited to your bank account every 6 months.
  • Another good thing about this scheme is that along with the issue of bonds, an SBG certificate is also issued, which can be taken as a loan by pledging it in any bank.

What is the Maturity period of Sovereign Gold Bond (SGB):

The maturity period of Sovereign Gold Bond (SGB) is 8 years.

What is the pre-mature withdrawal facilities in Sovereign Gold Bond (SGB)?

  • If you want to do premature withdrawal, then its period is 5 years, in which you can sell your bonds to RBI.
  • If you do not want to sell the bonds even after 8 years, then you can extend it for another 3 years, thus you can make post mature withdrawal after 11 years.

What is the tax benefits of Sovereign Gold Bond (SGB)?

  • You do not have to pay any GST on Sovereign Gold Bond (SGB).
  • The profit you get after selling Sovereign Gold Bond (SGB) to RBI is also tax free.

Some Additional Facilities of Sovereign Gold Bond (SGB)?

  • It also has the facility of joint holding investment plan
  • If you apply online for this scheme, then you get a discount of 50rs on 1 gram of gold.

What is Sovereign Gold Bond?

The SGB scheme has been considered the best scheme of the Government of India, in which you can subscribe to the bonds online or by going to the post office.
 In this scheme, bonds have to be subscribed on specific 5 days of every month and bonds are issued in the same 1 week.

How to calculate Gratuity?

Gratuity = Last drawn monthly salary × number of years × 15 / 26

Can you get Gratuity after re-signing?

If You worked at least 5 years and satisfied your company’s Terms and conditions then you can be eligible for Gratuity.

Will you get Gratuity if you resign after 5 years?

Yes , you will get Gratuity  if you resign after 5 years because the minimum gratuity period is 5 years.

What is the current interest rate of Treasury bills (T-Bills)?

5.1% is the current interest rate of Treasury bills (T-Bills).

Is Treasury bills (T-Bills) tax Free ?

Treasury bills (T-Bills) is a short-term investment plan, due to which Treasury bills (T-Bills) are subject to short-term capital gains tax.
The short term capital gains tax applicable on Treasury bills (T-Bills) depends on the tax slab of the investor.

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