Post office plans are a major source of safe and guaranteed returns for investors in India. Since April 2025, the post office has amended its interest rates, attracting investors to invest in various schemes. These schemes include fixed Deposit (FD), Monthly Income Scheme (MIS), Recurring Deposit (RD), Public Provident Fund (PPF), and others. In this article we will discuss these new interest rates and their characteristics in detail.
Overview of post office plans
A summary of post office plans is given below:
| Name of the scheme | Features and interest rates |
| Skull deposit (FD) | 6.90% to 7.50% per year interest rate for a period of 1 to 5 years. Minimum deposit ₹ 1,000. |
| Monthly income scheme | 7.4% per year interest rate, monthly payment. Maximum investment limit ₹ 9 lakh (single) and ₹ 15 lakh (joint). |
| Recurring deposit (RD) | 6.7% per year interest rate, duration of 5 years. Monthly deposit starts at ₹ 100. |
| Public provident fund | 7.1% per year interest rate, a period of 15 years. Tax benefits under Section 80C of Income Tax Act. |
| National savings certificate | 7.7% per year interest rate, duration of 5 years. Tax benefits are also available. |
Fixed Deposit (FD) Interest Rates
Post Office Fixed Deposit Scheme is ideal for those who want safe and stable returns. Following are interest rates on FD:
- 1 year: 6.90% per year
- 2 years: 7.00% per year
- 3 years: 7.10% per year
- 5 years: 7.50% per year
Main characteristics:
- Minimum deposit amount ₹ 1,000.
- Interest payment annually.
- Tax exemption: Tax benefits under Section 80C of Income Tax Act on 5 -year FD.
Monthly income scheme
Monthly Income Scheme is suitable for investors who want regular monthly income. The interest rate on MIS is 7.4% per year for April-June 2025.
Main characteristics:
- Minimum investment ₹ 1,000.
- Maximum investment limit:
- Single account: ₹ 9 lakh
- Joint Account: ₹ 15 Lakh
- Monthly payment option.
Recurring deposit (RD)
Recurring Deposit Scheme is ideal for those who want to deposit small amount regularly. The interest rate on RD is 6.7% per year for April-June 2025.
Main characteristics:
- Monthly minimum deposit ₹ 100.
- No maximum limit.
- Five years period.
- The option to close before time is available after three years.
Public provident fund
Public Provident Fund is a long -term investment scheme that provides tax benefits. The interest rate on PPF is 7.1% per year for April-June 2025.
Main characteristics:
- Investment period: 15 years.
- Tax exemption: Tax exemption up to ₹ 1.5 lakh under Section 80C of Income Tax Act.
- Return completely tax free.
National savings certificate
National Savings Certificate is a safe investment option that provides high interest rates. The interest rate on NSC is 7.7% per year for April-June 2025.
Main characteristics:
- Investment period: 5 years.
- Tax exemption available.
- Guaranteed Return.
Why choose post office plans?
The main reasons for choosing post office plans:
- Security: Secure investment with government guarantee.
- Good returns: high and stable interest rates.
- Tax benefits: Tax exemption under Section 80C of Income Tax Act in most schemes.
- Flexibility: Availability in various periods and investment options.
Rejuvenation
This article has been written with the objective of giving information about post office plans. Post office plans provide safe and guaranteed returns, but evaluate your financial status and goals before investing in any scheme. It is advisable to read the terms of the scheme carefully and consult experts.
