Post Office Saving Schemes 2025-26 are safe and guaranteed options for low-risk investors. These schemes include schemes like PPF, SCSS, MIS which offer attractive interest rates, tax exemptions and fixed returns. The recent increase in interest rates and investment limits by the government has made them more beneficial…
Post Office Saving Schemes: If you are looking for a safe investment option without any risk, then the Post Office Saving Schemes 2025-26 of the Government of India can prove to be a great option for you. These schemes come with government guarantee and are completely safe. By investing in them, you can not only create a strong fund for your future but also save on taxes. Recently, the government has also increased the deposit limit in these, making these schemes more beneficial. So let us know how much interest is being given in these schemes and for whom these are most beneficial.
Post Office Savings Account
Post Office Savings Account is a safe and easy savings option, which offers interest at the rate of 4 percent. Investment in this account can be started with a minimum of Rs 500 and there is no maximum investment limit. The special thing is that senior citizens do not have to pay tax on interest up to Rs 50,000 on this account, making it an attractive option for them.
Post Office Saving Schemes 2025-26
| Name of the scheme | interest rate | Minimum Investment | Maximum Investment | Eligibility | tax benefit |
|---|---|---|---|---|---|
| Savings Account | 4% per annum | ₹500 | No Limit | All resident Indians, minors aged 10+ years | Interest up to ₹50,000 is tax free for senior citizens |
| Time Deposit (TD) | 1yr-6.9%, 5yr-7.5% | ₹1,000 | No Limit | All resident Indians | Interest taxable, TDS above ₹40K/₹50K |
| Recurring Deposit (RD) | 6.7% (5 years) | ₹100 | No Limit | All resident Indians | Senior citizens get tax free interest up to ₹50,000 |
| Monthly Income Scheme (MIS) | 7.4% Monthly Payment | ₹1,000 | Single: ₹9L, Joint: ₹15L | All resident Indians | Interest taxable, TDS above ₹50,000 |
| SCSS | 8.2% quarterly | ₹1,000 | ₹30 lakh (lifetime) | 60 years+, these 55-60 retired employees | 80C exemption, TDS on ₹50K+ interest |
| PPF | 7.1% per annum | ₹500 | ₹1.5 lakh per year | All resident Indians | Investment+Interest+Maturity Tax Free |
| NSC | 7.7% per annum | ₹1,000 | No Limit | All resident Indians | Up to ₹1.5 lakh exemption under 80C |
| KVP | 7.5% per annum | ₹1,000 | No Limit | All resident Indians | Interest taxable, maturity amount tax free |
| Sukanya Samriddhi Scheme | 8.2% per annum | ₹250 | ₹1.5 lakh per year | A girl under 10 years of age | Investment+Interest+Maturity completely tax free |
