Small Saving Schemes: Nowadays, everyone wants to make safe investments. If you’re considering investing, there are some excellent schemes available that offer excellent returns. These schemes are available through post offices and banks, offering investors secure returns and tax benefits. In 2025, there are some special schemes offering interest rates ranging from 7% to 8.2%, making them more popular than most bank fixed deposits. Let’s take a closer look at five small savings schemes.
Public Provident Fund Scheme (PPF)
The PPF scheme is a great option for investors. This scheme currently offers an annual interest rate of 7.1% and has a lock-in period of 15 years. It can be extended in blocks of 5 years. You can start with just ₹500 annually and invest up to a maximum of ₹1.5 lakh. Investors under this scheme also receive tax benefits.
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Sukanya Samriddhi Yojana (SSA)
The Sukanya Samriddhi Yojana is a government scheme designed to secure the future of daughters. It offers a maximum interest rate of 8.2%. Parents can open this account in the name of a girl child under 10 years of age. You can deposit from ₹250 to ₹1.5 lakh annually. The deposit amount, interest earned, and maturity amount are tax-free.
National Savings Certificate (NSC)
The NSC is a secure government savings scheme that offers 7.7% interest for a 5-year term. You can start with a minimum of ₹1,000. The interest is compounded annually, and you receive the full amount upon maturity. You also receive tax exemptions on your investments.
Senior Citizens Savings Scheme (SCSS)
The Senior Citizens Savings Scheme is for individuals aged 60 years and above. It offers an annual interest rate of 8.2%. You can invest from ₹1,000 to ₹30 lakh. Interest is deposited directly into your bank account every three months, providing regular income for senior citizens.
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Kisan Vikas Patra (KVP)
The Kisan Vikas Patra is a secure government scheme that doubles investments in approximately 115 months (approximately 9 years and 7 months). It offers 7.5% interest. Its biggest advantage is that the process is simple and the money is completely safe.
Where and How to Invest
You can invest in all these schemes through post offices or selected bank branches. You need to fill out a form and submit your KYC documents. Some banks also offer online investment options for PPF and SSA, making the process even easier.
