Post Office Scheme: These 8 saving schemes of Post Office are best for safe investment and bumper returns in the year 2026. Whether you want to double your money with government guarantee or get fixed earnings every month, understand the complete list and new rules in detail here.<\/p>\n
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Post Office Scheme: Where to invest money where one can get good returns and there is no fear of drowning? This question definitely comes in the mind of every investor at some point or the other. So if you are also looking for such a safe, secure and profitable option, then you must take a look at the small savings schemes of India Post. Currently, interest rates in these schemes, which are run with government guarantee, range from 4 percent to 8.2 percent per annum, and the risk of losing money in them is almost negligible.<\/p>\n
Yes, schemes like Public Provident Fund, Sukanya Samriddhi Account, Senior Citizen Savings Scheme and Monthly Income Scheme are considered to be the most trusted here. So let us understand one by one which scheme is giving how much interest and for whom it is beneficial.<\/p>\n
At present, the two highest interest paying schemes are Senior Citizen Savings Scheme and Sukanya Samriddhi Account, both of which are giving 8.2 percent annual interest. Senior Citizen Savings Scheme has been specially designed for people aged 60 years and above and a maximum of Rs 30 lakh can be deposited in it.<\/p>\n
Sukanya Samriddhi eats daughters\u2019 capital<\/p>\n
While Sukanya Samriddhi Account is for those families whose daughter\u2019s age is less than 10 years, this scheme helps in creating a strong fund for big future expenses like daughter\u2019s education and marriage.<\/p>\n
If you want to save tax along with investment, then you can look at National Savings Certificate i.e. NSC, which is currently giving 7.7 percent annual interest. It has a lock-in period of 5 years and tax exemption is also available under section 80C.<\/p>\n
Whereas Kisan Vikas Patra i.e. KVP is a great option for those people who want to see their money doubled without any risk. The special thing is that it gives 7.5 percent interest and the invested amount doubles in about 115 months.<\/p>\n
POMIS is an option for monthly income seekers<\/p>\n
For those who need a fixed income every month for retirement or other needs, Post Office Monthly Income Scheme i.e. POMIS is a good means. Currently, 7.4 percent annual interest is being received on this and its payment comes into the account every month. In this, the maximum limit for single account has been fixed at Rs 9 lakh and for joint account at Rs 15 lakh.<\/p>\n
For those looking for long-term tax-free returns, Public Provident Fund or PPF is a reliable option, which offers 7.1 percent annual interest and its tenure is 15 years.<\/p>\n
Investing in National Savings Time Deposit<\/p>\n
Apart from this, National Savings Time Deposit offers interest ranging from 6.9 percent to 7.5 percent depending on the tenure, which is available in different tenures ranging from 1 year to 5 years.<\/p>\n
For those who want to save a small amount every month with discipline, Recurring Deposit i.e. RD is a good way, currently 6.7 percent interest is being given on it and this is also a 5 year scheme.<\/p>\n