The Indian Post Office offers several secure and convenient savings schemes perfect for anyone looking to grow their money safely. These schemes are an excellent way to plan for long-term goals, retirement, or a child’s education, offering competitive interest rates guaranteed by the Government of India.
The Indian Post Office offers several secure and convenient savings schemes perfect for anyone looking to grow their money safely. These schemes are an excellent way to plan for long-term goals, retirement, or a child’s education, offering competitive interest rates guaranteed by the Government of India.
1. Top Saving Schemes and Their Interest Rates (as of 01.10.2025)
The Post Office has schemes for everyone, from children to senior citizens. The interest rates below are annual rates (w.e.f. 01.10.2025 to 31.12.2025):
| Scheme Name | Acronym | Interest Rate | Term/Duration |
| Senior Citizen Savings Scheme | SCSS | 8.2% | 5 Years |
| Sukanya Samriddhi Yojana Account | SSA | 8.2% | 21 Years |
| National Savings Certificate | NSC | 7.7% | 5 Years |
| Kisan Vikas Patra | KVP | 7.5% | 9 Years 7 Months |
| 5 Year Time Deposit | 5 TD | 7.5% | 5 Years |
| Public Provident Fund | PPF | 7.1% | 15 Years |
| Monthly Income Scheme | MIS | 7.4% | 5 Years |
| Savings Account | SB | 4.0% | – |
2. Schemes Explained Simply
Here’s a quick look at the purpose of the most popular schemes:
- Senior Citizen Savings Scheme (SCSS): Designed specifically for senior citizens (60 years and above) to provide a regular income stream and high-interest returns during their retirement.
- Sukanya Samriddhi Yojana (SSA): A special savings scheme for the girl child. It helps parents build a large fund for their daughter’s future education and marriage expenses. It has one of the highest interest rates.
- National Savings Certificate (NSC): A straightforward, fixed-income investment that gives you a lump-sum amount after 5 years. It is popular for its tax-saving benefits.
- Public Provident Fund (PPF): A long-term retirement saving scheme (15 years) that offers excellent interest, tax benefits on investment, interest earned, and maturity amount (EEE status).
- Kisan Vikas Patra (KVP): A scheme where your initial investment will double after a fixed period (9 years and 7 months). It’s an easy way to grow your money over the medium term.
- Time Deposit (TD) & Recurring Deposit (RD): Similar to bank Fixed and Recurring deposits. You deposit a lump sum (TD) or monthly amount (RD) for a fixed period (1 to 5 years) to earn interest.
- Monthly Income Scheme (MIS): This scheme is for those who need a fixed monthly income from their investment. The interest is paid out every month.
3. How Much Money You Can Get Back (Maturity Values)
These examples show what a (One Lakh Rupees) investment could grow to.
| Scheme Name | Investment Example (Initial Amount) | Final Maturity Value | Key Feature |
| SCSS | Interest paid quarterly. | ||
| NSC | Excellent for tax savings. | ||
| 5 Year TD | Highest return among Time Deposits. | ||
| KVP | Doubles the money in 9 years 7 months. |
Get Started Today!
To open an account or learn more about these schemes, you can visit the nearest Post Office. The Post Office also provides Internet Banking facilities for existing account holders for secure and convenient access to their savings.
For the most current interest rates and terms, always check the official India Post website.
