Invest Safe.
Grow Guaranteed.
Post Office schemes are backed by the Government of India — zero default risk, guaranteed returns, and tax benefits. The smartest safe investment for every Indian.
100%
Sovereign Guarantee
Backed by Govt of India
7.5%+
Interest Rate
Higher than most FDs
₹500
Min Investment
Start small, grow big
80C
Tax Benefits
Save up to ₹1,50,000
All Schemes
Government Investment Options
8 government-backed schemes — each explained with interest rates, benefits, and who should invest.
Public Provident Fund (PPF)
The gold standard of safe investing. Long-term wealth creation with EEE tax status.
Interest Rate
7.1% p.a.
Duration
15 Years
National Savings Certificate (NSC)
Fixed-income instrument with guaranteed returns and 80C tax benefit.
Interest Rate
7.7% p.a.
Duration
5 Years
Kisan Vikas Patra (KVP)
Your money doubles in 115 months. Simple, guaranteed, government-backed.
Interest Rate
7.5% p.a.
Duration
115 Months (~9.6 yrs)
Post Office Recurring Deposit (RD)
Build a savings habit with monthly deposits. Perfect for beginners.
Interest Rate
6.7% p.a.
Duration
5 Years
Monthly Income Scheme (MIS)
Get guaranteed monthly income. Ideal for retirees and passive income seekers.
Interest Rate
7.4% p.a.
Duration
5 Years
Senior Citizen Savings Scheme (SCSS)
Highest interest rate among post office schemes. Exclusively for senior citizens.
Interest Rate
8.2% p.a.
Duration
5 Years
Post Office Time Deposit (TD)
Fixed deposit equivalent with government guarantee. Better than most bank FDs.
Interest Rate
6.9% – 7.5% p.a.
Duration
1, 2, 3, or 5 Years
Post Office Savings Account
Basic savings account with government backing. Better than most bank savings rates.
Interest Rate
4.0% p.a.
Duration
Ongoing
Not sure which one fits you? Tell us your goal and we'll help you find the right investment option - no pressure.
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