Post Office Schemes: The Post Office offers a variety of savings schemes . Many people invest in these schemes to secure their future. One advantage of investing in the Post Office is that you receive a guaranteed return. The government announces the interest rates for these schemes every quarter.
The government has also announced interest rates for small savings schemes for the January-March quarter. India Post manages the largest small savings scheme in the country. Post offices offer schemes for every age group, from women to children to the elderly.
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Post Office Top 5 Saving Schemes
Small savings schemes offered through post offices offer a range of investment plans for citizens of different age groups. These schemes – government-backed investment options – are designed to encourage investors to save money and develop financial security for themselves and their families.
Let’s explore the 5 best post office savings schemes for 2026 and which ones offer the highest returns.
Senior Citizen Savings Scheme (SCSS)
Sukanya Samriddhi Yojana (SSY)
Post Office Monthly Income Scheme (POMIS)
National Savings Certificate (NSC)
Mahila Samman Savings Certificate (MSSC)
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Mahila Samman Savings Certificate Scheme
The Mahila Samman Savings Certificate (MSSC) is a small savings program designed to motivate women and girls to invest securely. It is accessible at post offices and certain banks, providing fixed interest income along with capital protection. The current interest rate stands at 7.5%.
National Savings Certificate
The National Savings Certificate is a well-known, government-supported fixed-income savings program in India that guarantees returns and offers tax advantages under Section 80C of the Income Tax Act. It aims to promote small to medium savings among Indian residents and is regarded as a low-risk investment.
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The government has maintained the interest rate on NSC at 7.7 percent (National Savings Certificate Interest Rate).
Post Office Monthly Income Scheme
The Post Office Monthly Income Scheme (POMIS) is an investment program recognized and sanctioned by the Ministry of Finance. It ranks among the highest-yielding schemes, providing an interest rate of 7.4%. Interest payments are made monthly.
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Sukanya Samriddhi Yojana
The Sukanya Samriddhi Yojana account is a dedicated savings program for girls. You can establish an SSY account in your daughter’s name until she reaches 10 years of age at the post office. The current interest rate for this initiative is 8.2% (Sukanya Samriddhi Yojana Interest Rate).
Senior Citizen Savings Scheme
SCSS is a small savings program available solely for senior citizens. This scheme currently offers an interest rate of 8.2% (National Savings Certificate Interest Rate), which surpasses the fixed deposit interest rates provided by leading banks such as State Bank of India, HDFC Bank, ICICI Bank, Bank of Baroda, Punjab National Bank, Axis Bank, and others.
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Which post office scheme gives the highest returns?
At present, the Post Office’s Senior Citizen Savings Scheme provides the highest returns. The interest rate for this scheme is currently 8.2% for the January-March quarter.