Post Office Schemes

Pradhan Mantri Vaya Vandana Yojana (PMVVY)

LIC of India (on behalf of Government of India)
Sovereign
₹1,000 minimum·No principal loss

Principal is backed by the Government of India

7.40%
per annum · As of 2026

Key Details

Annual Rate
7.40%
Risk Level
1 — Very Low
Min. Investment
₹1,000
Lock-in Period
15 years
Category
Post Office Schemes
Institution
LIC of India (on behalf of Government of India)

Tax Treatment

Pension income taxable per slab. No 80C. No TDS deducted.

About This Instrument

Government-backed pension-annuity scheme for senior citizens (age 60+), administered by LIC. Single premium purchase, fixed monthly/quarterly/annual pension for 15 years, sovereign-backed by Government of India.

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