Investing in Small Savings Post Office Schemes

Small Savings schemes are an excellent investment option for individuals seeking stability and security 

Low Risk and Accurate Returns 

Favored due to their enhanced investment security, credibility and safety

Post Office Schemes

Investors depositing Rs. 10 lakhs or more must now provide KYC and income verification documents

Recent Government Orders 

To prevent illegal activities such as money laundering and funding terrorism

Why these orders now

Low Risk: Deposits up to Rs. 50,000 Medium Risk: Deposits exceeding Rs. 50,000 but below Rs. 10 lakhs  High Risk: Deposits exceeding Rs. 10 lakhs and politically exposed individuals residing outside India

Investor Categorization 

Investors in all categories must provide two passport size photographs.  Identity proof includes Aadhaar and PAN

Documentation for Investor Categories

Cash transactions exceeding Rs. 10 lakhs  Cumulative transactions exceeding Rs. 10 lakhs within a calendar month

Reporting Transactions 

Submit bank/post office account statements, income tax returns, sale deeds, gift deeds, wills, or succession certificates

Additional Requirements for High-Risk Investors

Exploring Non-Physical Gold Investments