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Investing in savings schemes can also help fund the education and marriage of the individual’s children. Apart from it being a disciplined way of saving money , investing in such schemes can also provide additional income. There are also various small savings schemes , where the contribution is less, but the total contribution that has been accumulated over the long run will be large.   Saving schemes  are mostly provided by banks and other financial companies but sometimes they required a high amount of money and a long time so these plans are not useful for middle-class families and street vendors. Therefore people are think easy to save money on piggy and home tools for emergencies but holding money at home is not the best idea because they are not getting interested in their money. India has a large amount population of middle-class families so it becomes a critical problem for the government because it affects the country's economy. So besides other private saving schemes gov