If you want to earn good returns without any risk, then post office schemes are a great option for you. In some of these schemes, the Modi government is giving a guaranteed return of 8.2%. Along with this, you also get the benefit of tax savings. These post office schemes are specially made for women.

Sukanya Samriddhi Yojana

This scheme is for saving money for daughters. The government is giving 8.2% yearly interest in this scheme. This is the highest among all post office schemes. Parents or guardians can open this account for a girl till she turns 10 years old. You can put up to ₹1.5 lakh in it every year. The money is fully tax-free. The scheme ends after 21 years or when the girl gets married after the age of 18.

Public Provident Fund (PPF)

PPF is a popular saving plan for women who want to invest for a long time with no risk. The time period is 15 years, and you can add 5 more years after that. Right now, it gives 7.1% yearly interest. The interest adds up every year. The money you put in, the interest you earn, and the final amount – all are tax-free.

National Savings Certificate (NSC)

If a woman wants to invest for 5 years with fixed returns, then NSC is a good choice. It gives 7.7% interest every year. You will get the total amount with interest at the end of 5 years. You can also save tax on the money you put in, under Section 80C.

Post Office Monthly Income Scheme (POMIS)

This scheme helps women who need money every month. It gives 7.4% yearly interest. The interest is added to your bank account every month. The time period is 5 years. You can invest up to ₹9 lakh in one account and ₹15 lakh in a joint account. It is good for housewives and senior women.

Mahila Samman Savings Certificate (MSSC)

This special scheme for women started in 2023. It is now very popular. It is for only 2 years. It gives 7.5% interest every year. The interest is added every 3 months. You can invest up to ₹2 lakh. At the end of 2 years, you get the full amount with interest.

Why These Post Office Schemes Are Good

Experts say these post office schemes are good for women who want safe and steady income. These are risk-free and also help save tax. Working women and housewives – both can invest.

Check the latest rules and interest rates on the post office website or visit your nearest post office. You can choose the plan as per your need. These interest rates are for July to September 2025.