How to get 40 lakhs rupees for Wife account according to Modi plan procedure needed?

There is no maximum limit on the National Savings Certificate, but there is a 5-year lock-in and the interest. But How to get 40 lakhs rupees for Wife account according to Modi plan procedure needed? 

You are looking at an annual return (IRR) of 12%. This is a stiff target unless you allow your money to grow without yearly withdrawals and invest substantially in equity funds. However, it’s not possible to deploy large sums in a volatile asset class like equity if you have nearterm cash flow requirements. Our suggestion is that you invest 50% in quality equity funds.

Senior Citizen Savings Scheme (SCSS) is backed by the government of Modi plan procedure needed and the entire amount is protected. However, you can deposit a maximum of Rs 15 lakh only (Rs 30 lakh between you and your wife account). Two other popular government-backed savings options are the Post Office Monthly Income Scheme and NSC. In the first option, you can have a maximum of Rs 4.5 lakh in a single account. But needed  to get 40 lakhs rupees for Wife account according to Modi plan procedure needed

There is no maximum limit on the National Savings Certificate, but there is a 5-year lock-in and the interest. But How to get 40 lakhs rupees for Wife account according to Modi plan procedure needed?