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<description>Plain-language letters on government savings schemes, insurance, gold and tax — in English and Odia. Nothing to sell, just what you need to see your money clearly.</description>
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<item><title>Before you buy gold: jewellery, a coin, or a gold ETF?</title><link>https://paisapatra.com/en/letters/gold</link><guid isPermaLink="true">https://paisapatra.com/en/letters/gold</guid><pubDate>Fri, 23 Oct 2026 00:00:00 GMT</pubDate><category>Investing</category><description>The plain maths of buying gold before Dhanteras — making charges, GST, hallmarks, gold ETFs, the risk in digital gold, and tax.</description></item>
<item><title>NSC: the post office's five-year sure thing</title><link>https://paisapatra.com/en/letters/nsc</link><guid isPermaLink="true">https://paisapatra.com/en/letters/nsc</guid><pubDate>Fri, 23 Oct 2026 00:00:00 GMT</pubDate><category>Investing</category><description>What the National Savings Certificate is, what it pays, how it is taxed, and what happens if you need the money early — in plain language.</description></item>
<item><title>₹456 a year for ₹4 lakh of cover: PMJJBY and PMSBY</title><link>https://paisapatra.com/en/letters/pmjjby-pmsby</link><guid isPermaLink="true">https://paisapatra.com/en/letters/pmjjby-pmsby</guid><pubDate>Fri, 23 Oct 2026 00:00:00 GMT</pubDate><category>Money</category><description>The government's two cheapest insurance schemes — life cover for ₹436, accident cover for ₹20. Who can join, what they pay, and how to claim.</description></item>
<item><title>Sukanya Samriddhi Yojana: 21 years of savings for your daughter</title><link>https://paisapatra.com/en/letters/sukanya-samriddhi</link><guid isPermaLink="true">https://paisapatra.com/en/letters/sukanya-samriddhi</guid><pubDate>Fri, 23 Oct 2026 00:00:00 GMT</pubDate><category>Investing</category><description>Who can open a Sukanya Samriddhi account, how much to put in, what interest it earns, and when the money can come out — every rule in plain language.</description></item>
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