Post Office New Interest Rate 2025: Post Office Savings Schemes run by the Indian Post Office is the most reliable option of safe and guaranteed returns for investors. With the new interest rates applicable from 1 January 2025, these schemes have become even more attractive. The biggest advantage of investing in these government schemes is that they get the support of the Government of India, which keeps your capital completely safe.
There has been no change in the interest rates of the post office schemes for the first quarter (January-March) of 2025. Schemes such as Senior Citizen Savings Scheme (SCSS) are getting 8.2% per year interest, which is much higher than banks. You can not only earn money from options like Tax Saving FD and Monthly Income Scheme, but can also save up to Rs 1.5 lakh under Section 80C of Income Tax Act.
Post Office Schemes 2025: Update of new interest rates (Post Office Schemes Interest Rates 2025)
The table below shows the latest interest rates and main features of all major post office schemes:
| Name of the scheme | Interest rate (per year) |
| Senior Citizen Savings Scheme (SCSS) | 8.2% |
| Monthly Income Scheme (MIS) | 7.4% |
| 5-year-old time deposit (FD) | 7.5% |
| Recurring deposit (rd) | 6.7% |
| Sukanya Samriddhi Yojana (SSY) | 8.2% |
| Public Provident Fund (PPF) | 7.1% |
| National Savings Certificate (NSC) | 7.7% |
Top 5 Post Office Schemes: Features and Benefits (Top 5 Post Office Schemes Features)
1. Senior Citizen Savings Scheme
- Interest Rate: 8.2% per year (quarterly compounded)
- Minimum investment: Rs 1,000
- Maximum investment: 30 lakh rupees
- Tax Benefit: Tax exemption under Section 80C
- Lock-in period: 5 years
The scheme is made for investors over 60 years of age. In this, you get every quarterly interest, which gives regular income to pensioners.
2. Monthly Income Scheme – MIS
- Interest Rate: 7.4% per year (monthly payment)
- Investment limit: Single account – 9 lakh, joint account – 15 lakhs
- Tenure: 5 years
- Flexibility: 1 year later premature closure (with penalty)
MIS is perfect for those who want monthly income. You will get Rs 3,083 every month on an investment of 5 lakhs.
3. 5-year-old time deposit (Fixed Deposit)
- Interest Rate: 7.5% per year
- Minimum investment: Rs 1,000
- Tax Saving: Section 80C applied to 5 -year FD
- Premature withdrawal: 6 months later (penalty applied)
It gives 0.5–1% more returns than FD banks. 14.25 lakh rupees will be received in 5 years on an investment of 10 lakhs.
4. Sukanya Samriddhi Yojana (Sukanya Samriddhi Yojana – SSY)
- Interest Rate: 8.2% per year
- Minimum investment: Rs 250/year
- Maximum investment: 1.5 lakh/year
- Tax free: no tax on investment, interest and maturity
This is the best scheme for the future of daughters. The account has to be opened at the age of 10 years.
5. Public Provident Fund – PPF
- Interest Rate: 7.1% per year
- Lock-in period: 15 years
- Tax Benefit: EEE (examept-exmept-exmept) status
There is complete tax exemption on investment in PPF. It is ideal for long term wealth creation.
Post Office Investment Tips in Post Office Schemes
- This scheme is best for investors who want to return risk-free returns
- Choose 5-Year FD or Scss for tax saving
- MIS best option for monthly income
- Invest in SSY and PPF for children’s education
Post Office Schemes vs Bank FD: Who Better? (Comparison Table)
| Parameter | Post office schemes | Bank fd |
| Security | Official guarantee | Dicgc insurance |
| Interest rate | 6.9-8.2% | 6-7.5% |
| Tax benefit | Section 80C applied | Just 5 year old fd |
| Liquidity | With premature withdrawal penalty | Flexible option |
How to open post office schemes account? (How to Open Account)
- Offline method: Go to the nearest post office and fill the form
- Online Apply: Through the official website of India Post or Mobile App
- Documents: Aadhar Card, PAN Card, Passport Size Photo
Disclaimer:
All these post office schemes are run by the Government of India and are completely authentic. Interest rates can be revised every quarter. Confirm information from your nearest post office or official website before investment. While investing in any scheme, consult your financial advisor.
The information given in this article is for general purposes. Interest rates and rules can change. Consult CA before taking a decision related to tax.
