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Post Office Savings Schemes

Explore all government-backed savings schemes offered by India Post. Choose from various options based on your investment goals, tenure preferences, and risk appetite.

Showing 7 schemes

💰

RD

Recurring Deposit Account

Save regularly with monthly deposits and earn attractive interest on your savings.

Min Investment

₹100

Tenure

5 Years

Interest Rate

6.7%

Required Form:
Form-4 (premature closure), Passbook required
Payout to:
Post Office Savings Account Linked Scheme
Premature:
Premature closure allowed after 3 years with interest adjustments
Tax Benefit:
No tax benefit
🏦

TD

Time Deposit Account

Fixed deposit scheme with guaranteed returns for 1 to 5 years tenure.

Min Investment

₹1,000

Tenure

1-5 Years

Interest Rate

6.9%

Required Form:
Form for premature closure and passbook
Payout to:
Post Office Savings Account Linked Scheme
Premature:
Premature closure allowed after 6 months with reduced interest rate
Tax Benefit:
Eligible for 80C only for 5-year TD
📅

MIS

Monthly Income Scheme

Get monthly income with a one-time investment for 5 years.

Min Investment

₹1,500

Tenure

5 Years

Interest Rate

7.4%

Required Form:
Check with post office
Payout to:
Post Office Savings Account
Premature:
Check specific scheme rules
Tax Benefit:
No tax benefit
👧

SSA

Sukanya Samriddhi Account

Special savings scheme for girl child with highest interest rate and tax benefits.

Min Investment

₹250

Tenure

21 Years

Interest Rate

8.2%

Required Form:
Form-2 (partial withdrawal), Form-1 (deposit)
Payout to:
Post Office Small Savings Scheme
Premature:
Partial withdrawal allowed after the girl child turns 18 or for marriage
Tax Benefit:
Eligible for tax deduction under Section 80C
🌾

KVP

Kisan Vikas Patra

Double your money in approximately 10 years with this savings certificate.

Min Investment

₹1,000

Tenure

9 years and 7 months

Interest Rate

7.5%

Required Form:
Check with post office
Payout to:
Post Office Savings Account
Premature:
Check specific scheme rules
Tax Benefit:
No tax benefit
📜

NSC

National Savings Certificate

5-year investment certificate with tax benefits under Section 80C.

Min Investment

₹1,000

Tenure

5 Years

Interest Rate

6.8%

Required Form:
No specific form for withdrawal, certificate required
Payout to:
Post Office Small Savings Scheme
Premature:
Premature closure not allowed except on death of account holder or court order
Tax Benefit:
Eligible for tax deduction under Section 80C
👴

SCSS

Senior Citizens Savings Scheme

Exclusive scheme for senior citizens with quarterly interest payments.

Min Investment

₹1,000

Tenure

5 Years

Interest Rate

8.2%

Required Form:
Check with post office
Payout to:
Post Office Savings Account
Premature:
Check specific scheme rules
Tax Benefit:
No tax benefit