In today’s world, everyone wants to earn a secure passive income of ₹40,000 to ₹50,000 per month from the comfort of their homes without any significant risk. Various Post Office savings schemes have become very popular among people seeking safe investments and better returns. These schemes not only offer good interest rates but also include full government protection. This has made many Post Office schemes an excellent tool for achieving long-term financial goals. Here, we present five of the best and most reliable Post Office schemes.

Read More- Top Nail Art Trends 2025 For Beginners – Salon-Like Designs You Can Do at Home

Senior Citizens Savings Scheme

The Senior Citizens Savings Scheme is specifically designed for people over 60 years of age. This scheme offers a safe investment, a good interest rate, and an effective tax-saving option. Currently, this scheme offers an annual interest rate of 8.20 percent, which is significantly higher than other government schemes. This is a completely risk-free scheme, backed by a central government guarantee. Its maturity period is five years, and a maximum investment of up to ₹30 lakh can be made. Interest is credited to the account every three months, providing the benefit of regular income.

Time Deposit Scheme

The Time Deposit Scheme, also known as Post Office Fixed Deposit, is a suitable option for investors who want to securely deposit money for a fixed period. Interest is calculated every three months, while deposit interest is paid annually. This scheme offers tenure options of one, two, three, and five years. The one-year tenure offers 6.9 percent interest, while the two- and three-year tenures offer 7 percent interest. Investors can earn over ₹2 lakh through interest alone through this scheme.

National Savings Certificate

The National Savings Certificate is a reliable fixed-income scheme that any Indian citizen can purchase from the post office. It can be taken in both single and joint forms and is issued in the form of a passbook. Currently, this scheme offers 7.7 percent interest per annum, which is paid in a lump sum upon completion of the investment period. It is also a strong tax-saving option, with investments starting with a minimum of ₹1,000. There is no maximum investment limit, making it a safe investment option even for large-scale investors.

Kisan Vikas Patra

Kisan Vikas Patra is a suitable option for investors seeking good returns with a safe investment. The special feature of this scheme is that the invested amount doubles within approximately 115 months. This scheme offers 7.5 percent interest, which is calculated on a compounding basis. Investors can also avail loans against this account if needed. Investors are also clearly aware of the tax rules applicable to the proceeds from this scheme, making it even more reliable.

Read More- Sell ​​this number 100 rupee note for 6 lakh rupees immediately! know process

Monthly Income Scheme

The Monthly Income Scheme is designed to provide investors with a fixed monthly income. It is particularly useful for those seeking a stable monthly income. Once an investment is made, a fixed amount is deposited into the account every month. It can be opened in either a single or a joint account. Parents or guardians can also open accounts in the name of children under the age of ten. Investments up to ₹9 lakh are permitted in a single account and ₹15 lakh in a joint account. This creates a consistent and secure source of income.