Post Office Scheme 2025: If you want guaranteed returns without risk, then post office savings schemes are the best options. It gets annual interest ranging from 7.5% to 8.2% and also 100% guarantee of the government.
Post Office High Return Scheme 2025: If you are also wondering where to invest money so that the post office schemes can be the best option for you without any risk. Nowadays the market sometimes goes up and sometimes down, so many people seek for safe investment. Post office schemes are guaranteed by the government and interest rates are also getting more than bank FD. Talking about the year 2025, there are 5 such schemes of the post office, which is getting interest ranging from 7.5% to 8.2% annually. The special thing is that they have 100% security of money and tax benefits are also available. Let’s know the details …
Sukanya Samriddhi Yojana (SSY)
Interest Rate: 8.2% annual
Maturity: 21 years
Minimum Investment: ₹ 250 annually
Maximum investment: ₹ 1.5 lakh annually
Tax Benefit: EEE category (investment, interest and maturity all three tax free)
Senior Citizens Savings Scheme (SCSS)
Interest Rate: 8.2% annual
Maturity: 5 years
Minimum Investment: ₹ 1000
Maximum investment: ₹ 30 Lakh
Tax Benefit: Discount up to ₹ 1.5 lakh under 80C. TDS will be charged if the annual interest is more than ₹ 50,000.
National Savings Certificate (NSC)
Interest Rate: 7.7% annually
Maturity: 5 years
Minimum Investment: ₹ 1000
Maximum investment: No limit
Tax Benefit: Discount up to ₹ 1.5 lakh under 80C
Post Office Time Deposit (TD)
Interest Rate: 7.5% (at 5 years)
Minimum Investment: ₹ 1000
Maximum investment: No limit
Tax Benefit: Discount up to ₹ 1.5 lakh under 80C. But the annual interest will cost TDS if it exceeds ₹ 40,000.
Kisan Vikas Patra (KVP)
Interest Rate: 7.5% annual
Maturity: 115 months (ie money double in about 9 years 7 months)
Minimum Investment: ₹ 1000
Maximum investment: No limit
Tax Benefit: There is no tax benefit in it.
Also read- Changing jobs? Know why PF transfer is necessary and how to do
Also read- PPF, NSC, Sukanya: How much interest will be available on which scheme, know the latest rates