Post Office Savings Plans 2025: Earn Up to 8.2% Interest With PPF, SCSS, NSC and More
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Looking for safe, hassle-free investments with guaranteed returns? India Post offers a range of government-backed savings schemes designed for risk-averse investors. From tax-saving options to monthly income plans, these schemes are secure, easy to access, and backed by sovereign guarantee. Some also come with tax benefits under Section 80C of the Income Tax Act.
Here’s a quick look at 8 popular Post Office schemes that offer interest rates of up to 8.2%:
POMIS is a one-time investment plan that offers 7.40% annual interest, paid out monthly. You can start with just ₹100 (in multiples of ₹1,000 thereafter). The maximum limit is ₹9 lakh per account, including joint holdings. Premature closure is allowed only after one year, with a small 1–2% penalty depending on the timing.
KVP offers a secure way to double your money over a fixed tenure. It provides 7.50% annual interest, with a minimum investment of ₹1,000 and no upper limit. A simple, long-term savings option for risk-free growth.
Sukanya Samriddhi Yojana (SSY)
Designed exclusively for the girl child, SSY allows parents or guardians to invest up to ₹1.5 lakh per year. It currently offers the highest return of 8.20%, along with tax benefits under Section 80C. A great way to secure your daughter’s financial future.
Senior Citizens Savings Scheme (SCSS)
SCSS is a popular retirement option that offers 8.20% annual interest, payable quarterly. Only one deposit per account is allowed, in multiples of ₹1,000, with a maximum limit of ₹30 lakh. It provides regular income plus tax benefits, making it ideal for senior citizens.
National Savings Certificate (NSC)
NSC is a fixed 5-year savings bond with 7.70% annual interest, compounded yearly. You can start with as little as ₹1,000, and there’s no maximum investment limit. A safe, tax-saving option with assured returns.
Recurring Deposit (RD)
Post Office RD offers 6.70% interest per year with monthly deposits starting from just ₹100. There’s no upper limit on investment. After 12 deposits, you can even take a loan up to 50% of the balance. Premature closure is allowed after 3 years, though at a reduced rate.
Public Provident Fund (PPF)
PPF is a long-term, tax-free savings option with 7.10% annual interest. You can invest between ₹500 and ₹1.5 lakh per year, and the maturity period is 15 years. Both the interest and maturity amount are completely tax-free.
Post Office Savings Account
This is a simple savings account that earns 4% annual interest. You can open it with a minimum of ₹500 in individual or joint names. A convenient, risk-free way to park your money.
If you want safety, steady returns, and peace of mind, Post Office schemes are a smart choice. From PPF’s tax-free growth to SCSS’s senior-friendly income and SSY’s girl-child focus, there’s a plan for everyone. With interest rates as high as 8.2%, these small savings schemes are perfect for building a secure financial future.
Here’s a quick look at 8 popular Post Office schemes that offer interest rates of up to 8.2%:
Post Office Monthly Income Scheme (POMIS)
POMIS is a one-time investment plan that offers 7.40% annual interest, paid out monthly. You can start with just ₹100 (in multiples of ₹1,000 thereafter). The maximum limit is ₹9 lakh per account, including joint holdings. Premature closure is allowed only after one year, with a small 1–2% penalty depending on the timing.
Kisan Vikas Patra (KVP)
KVP offers a secure way to double your money over a fixed tenure. It provides 7.50% annual interest, with a minimum investment of ₹1,000 and no upper limit. A simple, long-term savings option for risk-free growth.
Sukanya Samriddhi Yojana (SSY)
Designed exclusively for the girl child, SSY allows parents or guardians to invest up to ₹1.5 lakh per year. It currently offers the highest return of 8.20%, along with tax benefits under Section 80C. A great way to secure your daughter’s financial future.
Senior Citizens Savings Scheme (SCSS)
SCSS is a popular retirement option that offers 8.20% annual interest, payable quarterly. Only one deposit per account is allowed, in multiples of ₹1,000, with a maximum limit of ₹30 lakh. It provides regular income plus tax benefits, making it ideal for senior citizens.
National Savings Certificate (NSC)
NSC is a fixed 5-year savings bond with 7.70% annual interest, compounded yearly. You can start with as little as ₹1,000, and there’s no maximum investment limit. A safe, tax-saving option with assured returns.
Recurring Deposit (RD)
Post Office RD offers 6.70% interest per year with monthly deposits starting from just ₹100. There’s no upper limit on investment. After 12 deposits, you can even take a loan up to 50% of the balance. Premature closure is allowed after 3 years, though at a reduced rate.
Public Provident Fund (PPF)
PPF is a long-term, tax-free savings option with 7.10% annual interest. You can invest between ₹500 and ₹1.5 lakh per year, and the maturity period is 15 years. Both the interest and maturity amount are completely tax-free.
Post Office Savings Account
This is a simple savings account that earns 4% annual interest. You can open it with a minimum of ₹500 in individual or joint names. A convenient, risk-free way to park your money.
If you want safety, steady returns, and peace of mind, Post Office schemes are a smart choice. From PPF’s tax-free growth to SCSS’s senior-friendly income and SSY’s girl-child focus, there’s a plan for everyone. With interest rates as high as 8.2%, these small savings schemes are perfect for building a secure financial future.
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