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Whenever it comes to savings, the most preferred option for us Indians is the Post Office. This is because Post Offices are generally located near our localities and we have a traditional relationship with post office staffs like the postman. In this post, you will learn about various post office scheme. To know each post office savings scheme read the article completely.
List of All Post Office Scheme
| Name of the Scheme | Interest Rate | Useful for |
| Post Office Fixed Deposit | 5.5% | Savings |
| Post Office Recurring Deposit | 5.6% | Savings |
| Post Office Monthly Income Scheme | 6.6% | Monthly Income |
| Post Office Public Provident Fund | 7.1% | Wealth Creation |
| Post Office Kisan Vikas Patra | 6.9% | Savings |
| Post Office National Savings Scheme | 6.8% | Savings |
| Post Office Senior Ctizens Savings Scheme | 7.4% | Senior Citizens |
| Post Office Sukanya Samriddhi Yojana | 7.6% | Wealth Creation for Girl Child |
Post Office Savings Scheme – Fixed Deposit
- In this post office scheme, you deposit your money for a fixed period and after that fixed date, you will get your money back with accrued interest. In this scheme, you can put your money for 1 year/2 years/3 years/5 years. You can open a fixed deposit account in post office with just 1,000 rupees. The present interest rate on post office Fixed deposits is 5.5% per year.To know more about Post Office Fixed Deposit Scheme, Click here.
Post Office Savings Scheme – Recurring Deposit
- In this post office scheme, you can save a fixed amount each month and build wealth. In this scheme, you can put your money for 5 years. You can open a recurring deposit account in post office with just 100 rupees. The present interest rate on Recurring deposits is 5.6% per year. To know more about Post Office Recurring Deposit Scheme, Click here.
Post Office Savings Scheme – Monthly Income Scheme (MIS)
- This post office scheme is suitable for those who have a large amount of money in hand. This is a scheme in which you deposit a healthy amount of money in post office and in turn you get an amount every month as interest. You can open an MIS account in post office with just 1,000 rupees. The present interest rate on Monthly Income Scheme is 6.6% per year. To know more about Post Office Monthly Income Scheme, Click here.
Post Office Savings Scheme – Public Provident Fund (PPF)
- This post office scheme is a long-term wealth builder. In this scheme, you deposit money for a minimum of 15 years and after that, you will get back the money with interest. As it is a long-term savings scheme, with PPF you can generate huge wealth. You can open a PPF account in post office with just 500 rupees. The present interest rate on Public Provident Fund is 7.1% per year. Click here to know how you can be a Crorepati with PPF Scheme
Post Office Savings Scheme – Kisan Vikas Patra (KVP)
- This is a post office scheme in which you have to buy a KVP certificate from post office and keep it till maturity. After the maturity period, on behalf of the certificate, you will get back your money with interest. You can buy KVP certificate from the post office for just 1,000 rupees. The present interest rate on Kisan Vikas Patra Scheme is 6.9% per year.To know more about Post Office KVP Scheme, Click here.
Post Office Savings Scheme – National Savings Certificate Scheme (NSC)
- This post office scheme is quite similar to the KVP scheme. In this scheme, you buy an NSC certificate and after the maturity period, on behalf of the certificate, you will get back your money with interest. You can buy an NSC certificate from the post office for just 1,000 rupees. The present interest rate on National Savings Certificate Scheme is 6.8% per year. To know more about Post Office NSC Scheme, Click here.
Post Office Savings Scheme – Senior Citizen Savings Scheme (SSC)
- This is the safest investment option for senior citizens. In this post office scheme, the senior citizens will get higher interest rates on the fixed deposits. You can open a Senior Citizen Savings Scheme account from the post office for just 1,000 rupees. The present interest rate on Senior Citizen Savings Scheme is 7.4% per year.To know more about Post Office Senior Citizen Savings Scheme, Click here.
Post Office Savings Scheme – Sukanya Samriddhi Yojana (SSY)
- This is the best post office scheme for girl child. In this post office scheme, you can open an SSY account for your girl child and generate a good amount of wealth for your girl child, which will be useful in the future. You can open a SSY account with just 250 rupees. The present interest rate of Sukanya Samriddhi Yojana account is 7.6% per year. To know more about Post Office Sukanya Samriddhi Yojana, Click here
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