<p>Post Office: Saving for the future is a must. But many wonder if there’s a low-risk investment option with guaranteed returns. For them, the Post Office Recurring Deposit can be called the best option.</p><p> </p><img><p>You can start this scheme with just Rs. 100. No large sum is needed. You can save consistently by paying a fixed amount every month. It’s an easy investment for regular employees, small traders, and the self-employed.</p><img><p>The Post Office RD scheme offers around 7.4% annual interest. Deposit Rs. 10,000 monthly for 5 years (Rs. 6 lakh total) and get back up to Rs. 7.15 lakh, earning an extra Rs. 1.15 lakh.</p><img><p>The Post Office RD scheme is run by the government, so your investment is 100% secure. Market fluctuations don’t affect it. This makes it a top choice for retirees, homemakers, and those with a savings mindset.</p><img><p>After one year, you can take a loan of up to 50% of your deposit. This means you don’t have to close the account for urgent cash. Plus, you can get a tax exemption of up to Rs. 1.5 lakh under Section 80C.</p><img><p>The Post Office RD scheme is perfect for anyone wanting to save small amounts. It’s a great investment for those with a monthly income, who are risk-averse, or families saving for their children’s future.</p>
