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Comparison Table on Bonds and Deposits
January 30 , 2013
Product Min investment (in Rs) Max investment Interest rate Tax Benefit Maturity Period
Post Office Savings Account 50 1 lakh (single a/c) and 2 lakhs (joint a/c) 4% Tax free interest rate up to Rs. 3500 in single a/c and Rs 7000 in joint a/c NA
Post Office Time Deposit Account 200 No cap 8.2-8.4% 80 C benefits on 5 year deposit. 1,2,3,5
5-Year Post Office RD Account 10 No cap 8.3% compounded quarterly Nil 5
5 year National Savings Certificate 100 No cap 8.5% 80 C benefits 5
10 year National Savings Certificate 100 No cap 8.8% 80 C benefits 10
Senior Citizens Savings Account 1000 15 lakhs 9.2% 80 C benefits 5
Post Office Monthly Income Account 1500 4.5 lakhs in single a/c and 9 lakhs in joint a/c 8.4% paid monthly Nil 5
Public Provident Fund 500 1,00,000 a year 8.7% Principal and interest tax free u/s 80c 15
Tax Free Infrastructure Bonds Multiples of Face Value of Bond 7.3- 7.7% and varies with the issuer Nil >10
RBI Tax Saving Bonds 1000 No cap 8.5% Nil 6

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