Post Office Schemes 2025. If you want to create a substantial fund for yourself during this inflation, then you need to invest. Since there is no guaranteed income in a job or business, your savings will be beneficial in the future. So, if you want to invest your money safely without any risk, so that you get the interest provided by the government, then the small savings schemes of the post office can be an excellent option for you.
Many schemes are being run in the post office in India compared to earlier. Due to which people can invest money in daily, monthly and 6-month schemes. These schemes are no less than a boon for the people who earn a living daily. You can also achieve high returns by investing a small portion of your income here. Here, we are discussing a scheme on which the government has recently announced new interest rates. The 4 major schemes are Recurring Deposit, Monthly Income Scheme, PPF and Sukanya Samriddhi Yojana.
Earn 6.7% interest on Post Office RD
Post Office RD (Public Provident Fund) is a small savings scheme. In which you can invest a minimum of Rs 100 per month. This scheme is better suited for those who earn a low monthly income but want to make safe investments by saving a small amount. The government has set a 6.7% annual interest rate for July-September 2025. The maturity of the scheme is 5 years and you can open this account in single or joint form. In which there is no maximum exemption on investing.
7.1% annual interest on Public Provident Fund
If someone wants to make good returns in the long run, then there is no better investment scheme than Public Provident Fund (PPF). The special thing is that it comes in the EEE category, in which investment, interest and maturity amount – all three are tax free. In which a minimum of Rs 500 and a maximum of Rs 1.5 lakh can be invested annually. The government has fixed 7.1% annual interest on Public Provident Fund.
Sukanya Samriddhi Yojana 8.2% annual interest
The good thing for parents in the country is that they can make their daughter a millionaire. For which they have to invest Rs 250 per month. The government’s Sukanya Samriddhi Yojana (SSY) is a special scheme designed to secure the future of girls. Parents who want to save for their daughter from the beginning can open an account under the scheme in the name of their daughter aged 0 to 10 years.
Where an investment of Rs 250 to Rs 1.5 lakh can be made annually, the scheme matures when the daughter turns 21 years of age or upon her marriage. Currently, an annual interest rate of 8.2% is being offered. If someone invests here, then the option of investment, interest and maturity amount is available for tax-free.
Monthly Income Scheme 7.4% annual interest
For individuals seeking to earn a monthly income by investing once, the Post Office Monthly Income Scheme is a suitable option. This scheme is for retired or senior citizens. You can invest up to Rs 9 lakh in a single account and up to Rs 15 lakh in a joint account (for both husband and wife). In this, the investors get 7.4% annual interest. Please note that the duration of this scheme is 5 years.