Post Office Guaranteed Schemes: PPF, SCSS, NSC, KVP, SSY, RD, MIS Offering Assured Returns Up To 8.2%

India’s Post Office investment schemes offer government-backed, secure savings options with assured returns, making them ideal for risk-averse investors. According to experts, these plans not only provide consistent income but also offer tax benefits under Section 80C of the Income Tax Act up to ₹1.5 lakh annually. Popular options include the Public Provident Fund (PPF), Sukanya Samriddhi Yojana (SSY), Senior Citizens Savings Scheme (SCSS), and Monthly Income Scheme (MIS). Understanding these schemes can help investors make informed choices to grow wealth safely while enjoying guaranteed returns.

Post Office Monthly Income Scheme

The Post Office Monthly Income Scheme (POMIS) allows investors to make a one-time deposit and earn a fixed annual interest rate of 7.40 per cent. Accounts can be opened with a minimum of ₹100, and further investments can be made in multiples of ₹1,000, up to a maximum of ₹9 lakh per account. Premature closure is allowed after one year, with a 1–2 per cent penalty depending on the timing of withdrawal. Experts suggest that POMIS is ideal for those seeking steady monthly income without market risks.

Kisan Vikas Patra

Kisan Vikas Patra (KVP) is designed to double the invested amount over a fixed tenure, offering a 7.50 per cent annual interest rate. Investors can start with a minimum of ₹1,000, and there is no upper limit on deposits. According to financial advisors, KVP is a reliable choice for individuals aiming for medium-term capital growth without exposure to market volatility.

Sukanya Samriddhi Yojana

Sukanya Samriddhi Yojana (SSY) focuses on the financial security of the girl child. Parents or legal guardians can invest up to ₹1.5 lakh per year, earning an attractive 8.2 per cent interest rate. The scheme also offers tax benefits and long-term financial support for education and marriage. Experts highlight SSY as one of the most effective government-backed instruments for securing a child’s future.

Senior Citizens Savings Scheme

Senior Citizens Savings Scheme (SCSS) provides a high interest rate of 8.2 per cent, ensuring regular income for retirees. Deposits are allowed in multiples of ₹1,000, up to ₹30 lakh per account. According to financial advisors, SCSS is particularly suitable for senior citizens looking for both capital protection and steady returns.

National Savings Certificate

National Savings Certificate (NSC) is a safe investment option offering 7.70 per cent annual interest, compounded yearly. With a minimum investment of ₹1,000 and no upper limit, NSC comes with a fixed five-year tenure and guaranteed returns. Experts recommend NSC for investors seeking medium-term savings with assured growth.

Post Office Recurring Deposit

The Post Office Recurring Deposit (RD) allows monthly contributions with a minimum of ₹100, earning 6.70 per cent interest annually. Investors can borrow up to 50 per cent of the balance after 12 regular deposits. Premature closure after three years is permitted, although a lower interest rate applies. According to experts, RDs are an effective tool for disciplined, regular savings with predictable returns.

Public Provident Fund

The Public Provident Fund (PPF) requires a minimum annual deposit of ₹500 and allows investments up to ₹1.5 lakh, offering 7.10 per cent annual interest, which is tax-free. With a 15-year lock-in period, PPF is ideal for long-term financial planning. Experts advise starting early to fully benefit from compounding and tax exemptions.

Post Office Savings Account

A Post Office Savings Account provides 4 per cent annual interest on individual or joint accounts, with a minimum deposit of ₹500. According to financial advisors, it is a simple, secure way to park funds while earning modest interest, suitable for both short-term savings and emergency funds.

Disclaimer: This article is for information only. According to experts, investors should evaluate their financial goals, risk tolerance, and tax implications before investing in any Post Office scheme. Consulting a certified financial advisor is recommended to ensure suitability and to maximise potential returns.