This includes Employee Provident Fund (EPF), Voluntary Provident Fund (VPF), Public Provident Fund (PPF), Senior citizen savings scheme ( SCSS ), Sukanya Samriddhi Yojana (SSY), Tax Saving Fixed Deposits (Five-year FD scheme), National Saving Certificate (NSC), Equity-Linked Savings Scheme (ELSS), Unit Link Insurance Plan (ULIP), National Pension Scheme (NPS)