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Indian Post Office Guaranteed Returns Top 6 Schemes

The Indian Post Office offers always attract safe investors because safe investors always look for fix return on their investment. For such safe investors, today, we will discuss few most popular schemes of Indian Post Office.  These schemes will give peace of mind to the investors because all Indian Post Office schemes are backed by Indian government. Very few people know that Indian Post Office investment and saving schemes give more interest than Government banks & Private Banks.

Why Indian Post Office Schemes are the Safest Bet for Investors in India?

Will you get guaranteed returns on your investment? Many People answer will be “No” but it is only possible with Indian Post office schemes. If you do not want to take risk by Investing in to Indian stock market then as a safe investors Indian Post office is your place.  However, it is always recommended to check the specific eligibility criteria for each scheme on the official website of the Indian Post Office or consult with a post office representative for the most accurate and up-to-date information.

What are the benefits of investing in post office savings schemes in India?

Investing in Post Office Savings Schemes in India offers several benefits, including:


Indian Post Office Savings Schemes are government-backed, ensuring a sovereign guarantee, which enhances their credibility.


Presence of Indian Post offices almost in all India makes Post office schemes more accessible in Indian cities, rural areas & Hilly areas too.

 Long-term benefits on Indian Post office Schemes:

Certain post office savings schemes provide tax-saving benefits under Section 80C of the Income Tax Act, making them attractive for long-term investment.

Risk-free Investment Schemes:  

All Indian post office schemes are risk free and guaranteed by Indian government.

Best interest rates:

Indian post office offers best of Interest rates ranging from 4% to 8%, which are highly competitive with banks. Secure Your Future with High-Interest Rates with Indian Post Office Savings Schemes.

Tax benefits:

Most of the Indian post office savings schemes offer tax benefits under Section 80C of the Income Tax Act.

Easy to approach schemes:

In All Indian post office investment schemes, there is a minimal documentation required. Therefore, it is easy for everyone to take benefits of these schemes.

Essay way to reach with:

Indian Post offices have a wider reach than most banks, making them more accessible to underprivileged individuals in society.

Best way to diversify portfolio:

Investing in Indian Post Office Savings Schemes allows investors to diversify their portfolio for getting guaranteed returns.

Large variety of Investment schemes:

Indian Post office offers multiple types of Savings Schemes with different deposit limits, tax implications, and sure returns.

Due to secure and reliable investment options, Indian post office schemes have been becoming 1st choice of investors in India. Now, Let us discuss about Indian Post office latest Schemes.


Best  Latest Indian Post office Guarantee schemes:

Please note that Tenure's  in most of Investment schemes Range from 1 year to 5 years but in Some schemes you can withdraw Monthly Interest too. 

1) National Savings Certificate (NSC):

  •  Interest Rate: 7.7%
  •  Tenure: 5 Years
  •  Tax Deduction on Investment: Yes

2) Public Provident Fund (PPF):

  •  Interest Rate: 7.1%
  •  Tenure: 15 Years
  •  Tax Deduction on Investment: Yes

3) Sukanya Samriddhi Yojana (SSY):

  •  Interest Rate: 8.2%
  •  Tenure: 21 Years
  •  Tax Deduction on Investment: Yes

4) Senior Citizens Savings Scheme (SCSS):

  •  Interest Rate: 8.2%
  •  Tenure: 5 Years
  •  Tax Deduction on Investment: Yes

5) Post Office Monthly Income Scheme:

  •  Interest Rate: 7.4%
  •  Tenure: 5 Years
  •  Tax Deduction on Investment: Yes

6) Post Office Time Deposit:

  Interest Rates:

  •  1 year Time Deposit: 6.9%
  •  2 year Time Deposit: 7%
  • 3 year Time Deposit: 7.1%
  • 5 year Time Deposit: 7.5%
  • Tax Benefit: Qualifies for deduction under Section 80C

These schemes offer guaranteed returns, are backed by the Government of India, and most of them provide tax benefits under Section 80C. Investors can choose the scheme that best suits their investment horizon and financial goals from this diverse range of post office investment.

Also Read12 small cap stocks which can change you Life

What are the eligibility criteria for post office savings schemes in India?

Post Office Savings Account:

Any Indian above the age of 18 years can open a savings account under this scheme, either individually or jointly.

Post Office Time Deposit:

 Any Indian above the age of 18 years can open a time deposit account with a minimum deposit of Rs. 1,000.

Public Provident Fund (PPF):

Any Indian above the age of 18 years can open a PPF account, either individually or jointly with another person. However, only one individual can be the first holder.

Sukanya Samriddhi Yojana (SSY):

It is the only account which can be opened by the guardian of a girl child who is an Indian citizen and below 10 years of age.

National Savings Certificate (NSC):

 Any Indian above the age of 18 years can open an NSC account

Senior Citizens Savings Scheme (SCSS):

This account is only for senior citizens having age above 60 years and who is Indian citizen but who has retired from Defence personnel having age above 50 years can also take benefit of this Indian post off scheme.

Post Office Monthly Income Scheme:

 Any Indian above the age of 18 years can open a monthly income scheme account with a minimum deposit of Rs. 1,000.

Indian Post office is a safest place for making your investment because it gives you peace of Mind. All Indian Post office schemes offers Guaranteed returns because Indian government Guarantee. 

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