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Post office schemes.
The government-backed options at the post office, in one place. Pick a scheme and an amount to see the monthly or quarterly income, or what it matures to.
₹
The most one person can hold is ₹9,00,000 (₹15 lakh in a joint account).
%
7.4% for Oct–Dec 2026. Locked in for the whole term once you invest.
Paid to you every month
₹3,083
For 5 years, then your ₹5.0 L comes back.
- A year
- ₹37,000
- Interest over 5 years
- ₹1,85,000
- Deposit back at the end
- ₹5,00,000
How it adds up
- You invest₹5,00,000
- times7.4% a year, paid each month₹3,083
- equalsInterest over 5 yrs₹1,85,000
- plusAnd your money back₹6,85,000
What this assumes
This quarter's rates, held to maturity. Interest on all of these is taxable at your slab, except that NSC and the 5-year deposit qualify for 80C in the old regime. SCSS is for those 60 and above.
Rules and rates from
- India Post (opens in a new tab)
- Department of Economic Affairs (small savings rates) (opens in a new tab)
Education only, not investment, tax or legal advice. I am not a SEBI-registered investment adviser.
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