Those post office schemes which provide more earning than FD! Here is the complete list

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post office scheme

In the year 2025, many banks have reduced the interest rates on their fixed deposit (FD) schemes. Due to this, new FD investors are getting less interest. Those who are thinking of investing money in FD further, they will also get low interest rates. Amid falling FD interest rates, small savings schemes of many post offices are still giving more interest than FDs of many big banks. FD rates in most big banks including public sector banks (PSU) are between 6%-7%. On the other hand, small savings schemes of many post offices are giving more than 7% interest. Income tax exemption is also available on investing in many of these schemes under the old tax system. Let us tell you in detail about some amazing schemes of the post office.

Post Office Small Saving Schemes

Small savings schemes of post office are giving better returns than FDs of many big banks. The government changes the interest rates of these schemes every quarter. Many post office schemes are offering 7% or more interest.

  1. 2-Year Time Deposit Scheme- Good interest is available in time deposit scheme of post office. For a period of 2 years, on an investment of Rs 10 thousand, you get around Rs 719 at the rate of 7 percent and the interest rate in the scheme is added in 3 months.
  2. Senior Citizen Savings Scheme- Senior Citizen Savings Scheme is offered for the elderly. This scheme gives 8.2% interest. On Rs 10,000 you get Rs 205 directly every quarter. This can be the perfect scheme for retirement.
  3. Monthly Income Account- In this scheme, 7.4% interest of Rs. 7.4% is given annually by the post office. That means you will get Rs 62 every month on an investment of Rs 10,000.
  4. National Savings Certificate (NSC)- The annual interest in this scheme is 7.7%. In this, your Rs 10,000 will convert into Rs 14,490 after 5 years. The entire amount will be received in lump sum on maturity.
  5. Public Provident Fund (PPF)- This is one of the most popular schemes of the post office, in which compound interest of 7.1% is available annually. There is tax-free savings for the long term. It lasts for 15 years, but you can withdraw money from it in between also.
  6. Kisan Vikas Patra (KVP)- This scheme of post office is also quite famous in which 7.5% interest is available. In this, Rs 10,000 will double in 115 months, approximately 9.5 years. Full amount is received on maturity.
  7. Mahila Samman Savings Certificate- This scheme is run especially for women. In this, interest of 7.5% is available quarterly. In this scheme, Rs 10,000 will become Rs 11,602 after 2 years. This is a special scheme for women.
  8. Sukanya Samriddhi Account- In this scheme, interest of 8.2% is available annually. The account in the girl’s name lasts for 21 years. This is a tax-free and highest return scheme.

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