You can earn a lot of money in these small savings schemes!

Good news for investors! The central government has not made any change in the interest rates on small savings schemes. The old interest rates will remain applicable on all post office schemes including PPF, SSY, NSC till the first quarter (April 1 to june 30, 2025) of the new financial year (FY 2025-26) starting from april 1, 2025. That is, investors will get the same return as in the previous quarter (January-March 2025).

How much interest on which scheme?

Interest rates are different in different schemes of post office. sukanya Samriddhi Yojana (SSY) and Senior Citizen Savings Scheme (SCSS) are giving the highest interest of 8.2 percent, which is much better than any bank FD. On the other hand, you will get 7.1 percent return on Public Provident Fund (PPF) and 7.5 percent return on 5-year time deposit. By investing in Kisan Vikas Patra (KVP), your money will double in just 9 years and 7 months.

What to do if you want high returns?

These schemes have many benefits. They are completely safe as they are supported by the government of India. Tax benefits are also available on schemes like PPF, SSY and NSC. Schemes like Monthly Income Account Scheme (MIAS) and Senior Citizen Savings Scheme (SCSS) are an excellent source of regular monthly income. This is a golden opportunity for investors. If you want high returns, you can invest in SSY or SCSS. PPF is the best option for long term savings, while the return of 8.2 percent for senior citizens is no less than a boon.

What is the interest rate on which scheme?

Savings Deposit Annual interest rate 4%

1 year time deposit Annual interest rate 6.9%

2 year time deposit Annual interest rate 7%

3 year time deposit Annual interest rate 7.1%

5 year time deposit Annual interest rate 7.5%

5 year recurring deposit (RD) Interest rate 6.7%

Senior Citizen Savings Scheme (SCSS) Interest rate 8.2%

Monthly Income Account Scheme (MIAS) Interest rate 7.4%

National Savings Certificate (NSC) Interest rate 7.7%

Public Provident Fund (PPF) Interest rate 7.1%

Kisan Vikas Patra (KVP) Interest rate 7.5%

Sukanya Samriddhi Yojana (SSY) Interest rate 8.2%


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Balasahana Suresh

30/03/2025 06:04 AM