Post office saving schemes in India have always been a safe and reliable option for investors. These schemes not only give guaranteed returns, but due to the government being supported by the government, the capital of investors is also completely safe. In March 2025, the post office has kept its interest rates stable, which is applicable for the January-March 2025 quarter.
These schemes include the Senior Citizen Savings Scheme (SCSS), Public Provident Fund (PPF), Sukanya Samriddhi Yojana (SSY), and Monthly Income Scheme (MIS). Investing in these schemes not only provides good returns, but also gives an opportunity to save tax. Let’s know in detail about the interest rates of these schemes and their advantages.
Post Office Savings Schemes Interest Rates 2025
Below is the interest rates and other details of the major savings schemes of the post office in a table:
| Name of the scheme | Interest Rate (January-March 2025) |
| 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% |
Senior Citizen Savings Scheme (SCSS)
Senior Citizen Savings Scheme is best suited for those who want regular income after their retirement.
- Interest Rate: 8.2% per year.
- Duration: 5 years.
- Investment limit: minimum ₹ 1,000 and maximum ₹ 30 lakh.
- Tax Benefits: Tax exemption under Section 80C.
Monthly Income Scheme – MIS
This scheme is for investors who want an sure income every month.
- Interest Rate: 7.4% per year.
- Duration: 5 years.
- Investment limit: individual account – maximum ₹ 9 lakh; Joint Account – Maximum ₹ 15 Lakh.
- Advantage: Regular income is received every month.
Public Provident Fund – PPF
PPF is a long -term investment plan that offers the option to save tax and provide safe returns.
- Interest Rate: 7.1% per year.
- Duration: 15 years.
- Investment limit: minimum ₹ 500 and maximum ₹ 1.5 lakh per financial year.
- Tax Benefits: Investment, earned interest and maturity amounts are all three tax free.
Sukanya Samriddhi Yojana
This scheme is especially made to secure the future of girls.
- Interest Rate: 8.2% per year.
- Duration: From the opening of the account to the age of the girl from the age of 21 years.
- Investment limit: minimum ₹ 250 and maximum ₹ 1.5 lakh per financial year.
- Advantage: Useful for tax free returns and girl’s education and marriage.
National Savings Certificate – NSC
The NSC is a certain income scheme suitable for middle class investors.
- Interest Rate: 7.7% per year.
- Duration: 5 years.
- Investment limit: minimum ₹ 1,000, is not the maximum limit.
- Tax Benefits: Tax exemption under Section 80C.
Recurring Deposit – RD)
The scheme provides the opportunity for small investors to save regularly.
- Interest Rate: 6.7% per year.
- Duration: 5 years.
- Investment limit: minimum ₹ 100 per month.
- Advantage: Better returns from quarterly compounding.
Fixed Deposit – FD)
Post Office FD is a safe investment option that provides guaranteed returns for a certain period.
| Duration | Interest rate |
| 1 year | 6.9% |
| 2 year old | 7.0% |
| 3 year old | 7.1% |
| 5 years | 7.5% |
Kisan Vikas Patra – KVP
KVP is a long -term investment option that doubles your zodiac in a certain time.
- Interest Rate: 7.5% per year.
- Maturity period: approximately 115 months.
- Investment limit: minimum ₹ 1,000, is not the maximum limit.
Benefits of post office schemes
- All schemes are supported by the government, which reduces the risk.
- Tax exemption benefits, especially in schemes like SCSS, PPF and NSC.
- Availability in both rural and urban areas.
- Safe investment option with guaranteed returns.
Disclaimer:
This article provides information based on post office savings schemes. Interest rates are stable by March 2025, but it can change from time to time. Consult your financial advisor before investing.
