For Indians who want to earn money not by working, but by investing, the government offers a range of schemes that are both secure and accessible. These schemes are designed to help people grow their savings steadily, receive regular income, or save on taxes, all while enjoying the safety of government backing. In 2025, these options remain some of the most trusted ways for ordinary citizens to put their money to work.

Public Provident Fund 

One of the most popular choices is the Public Provident Fund (PPF). This long-term savings scheme offers a fixed interest rate—currently 7.1 percent—and comes with a lock-in period of 15 years. Investors can start with as little as Rs 500 per year and invest up to Rs 1.5 lakh annually. The returns are tax-free, making it a favorite for those planning for retirement or long-term goals.