Some Attractive Post Office Savings Bank Schemes with High Interest from July 2025

The India Post Office Savings Bank offers a variety of safe, government-backed savings schemes that cater to every age group and income level. These schemes offer fixed returns, tax benefits, and guaranteed maturity, making them an ideal choice for risk-averse investors.

The updated interest rates and maturity values for Q2 FY 2025-26 (from 01.07.2025 to 30.09.2025) are now officially announced. Here’s a comprehensive overview.

🔶 Interest Rates & Scheme Tenure (w.e.f. 01 July 2025)

Scheme NameAbbreviationInterest RateTenure
Senior Citizen Savings SchemeSCSS8.2%5 Years
Sukanya Samriddhi Yojana AccountSSA8.2%21 Years
National Savings CertificateNSC7.7%5 Years
Kisan Vikas PatraKVP7.5%9 Years 7 Months
5-Year Time Deposit5 TD7.5%5 Years
Monthly Income SchemeMIS7.4%5 Years
Public Provident FundPPF7.1%15 Years
3-Year Time Deposit3 TD7.1%3 Years
2-Year Time Deposit2 TD7.0%2 Years
1-Year Time Deposit1 TD6.9%1 Year
Recurring DepositRD6.7%5 Years
Savings AccountSB4.0%No Lock-in

🧮 Maturity Values (For Investment of ₹1,00,000 or ₹1,000 per month where applicable)

🔹 Time Deposit Schemes

SchemePrincipalInterest EarnedMaturity Value
1 TD₹1,00,000₹7,080.60₹1,07,081
2 TD₹1,00,000₹7,185.90 × 2₹1,14,372
3 TD₹1,00,000₹7,291.29 × 3₹1,21,873
5 TD₹1,00,000₹7,713.59 × 5₹1,38,568

🔹 Monthly Schemes

SchemeDeposit TypeMaturity Value
MIS₹1,00,000₹1,37,000
MIS + RD₹1,00,000₹1,43,953

🔹 Senior & Girl Child Savings Schemes

SchemePrincipalInterestMaturity Value
SCSS₹1,00,000₹2,050 × 20 quarters₹1,41,000
SCSS + RD₹1,00,000₹48,728.76₹1,48,729
SSA₹1,000 × 12 × 15 years = ₹1,80,000₹3,74,612₹5,54,612

🔹 Recurring Deposit (RD)

PeriodMonthly DepositMaturity Value
5 Years₹100 × 60 months₹7,136.58
6 YearsExtension₹8,871.09
7 YearsExtension₹10,724.75
8 YearsExtension₹12,705.77
9 YearsExtension₹14,822.89
10 YearsExtension₹17,085.46

🔹 Long-Term Schemes

SchemePrincipalInterestMaturity Value
NSC₹1,00,000₹44,903.41 (at maturity)₹1,44,903
KVP₹1,00,000Doubles automatically₹2,00,000
PPF₹1,000/month × 15 years = ₹1,80,000₹1,35,572₹3,15,572

🌐 Online Access & Internet Banking

India Post now provides secure and convenient Internet Banking for POSB account holders.

  • 🖥️ Register at: https://ebanking.indiapost.gov.in
  • 📲 India Post Mobile App: Available on Play Store
  • 📞 IVR Helpline: 1800-266-6868 (9 AM to 6 PM)
  • 🏦 IFSC Code for POSB Accounts: IPOS0000DOP

For more assistance, contact your nearest Post Office.

📝 Important Notes

  • Interest rates may change based on government notifications.
  • Always check updated rates on the official India Post website:
    🔗 https://www.indiapost.gov.in

🎯 Final Thoughts

Post Office Savings Schemes continue to be safe and rewarding options for conservative investors looking for:

  • Stable returns
  • Sovereign backing
  • Flexible tenures
  • Attractive interest rates (up to 8.2%)

Whether you’re planning for retirement, your child’s future, or secure monthly income, India Post Savings Schemes offer tailored options for every need.

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