Overview
The post office schemes is one the safe investment option backed by the Government of India as it offers multiple small saving options - Savings Account, Term Deposit options, Recurring Deposit (RD), Monthly Income Scheme (MIS), National Savings Certificate (NSC), Kisan Vikas Patra (KVP), Senior Citizen Savings Scheme (SCSS), Public Provident Fund (PPF) and Sukanya Samriddhi Yojana (SSY).
Latest Post Office Interest Rates from July 2026
Post Office Savings Account
This offers reliable and accessible way to grow your money.
- Interest Rate: 4% p.a.
- Deposit Limit: minimum ₹500, maximum no limit.
Explore More: Post Office Savings Account Interest Rate 2026
Post Office Fixed Deposits
Fixed Deposits is available in four options as for longer tenures, interest percentage differs.
- Interest Rate: For 1-Year - 6.9%, 2-Year - 7.0%, 3-Year - 7.1%, 5-Year - 7.5% (per annum)
- Deposit Limit: minimum ₹1000 but no upper limit.
Know More: Post Office Fixed Deposit Scheme 2026
Post Office Recurring Deposit (RD)
The Post Office RD is designed for disciplined monthly savings.
- Interest Rate: 6.7% p.a.
- Tenure: 5 Years
- Deposit Limit: minimum ₹100 per month, no maximum limit.
Full Details: Post Office RD Interest Rate 2026
Post Office Monthly Income Scheme (MIS)
The Monthly Income Scheme is ideal for investors who want to earn a fixed, guaranteed monthly income from a lump-sum investment.
- Interest Rate: 7.4% p.a.
- Tenure: 5 Years
- Deposit Limit: minimum ₹1000, maximum ₹9 Lakh for single account and ₹15 Lakh for joint account.
Explore More: Post Office Monthly Income Scheme 2026
Post Office National Savings Certificate (NSC)
NSC is a popular government-backed investment with annual compounding and payment at maturity.
- Interest Rate: 7.7% p.a.
- Tenure: 5 Years
- Deposit Limit: minimum ₹1000 per month but no upper limit
Know More: NSC Interest Rate 2026
Post Office Kisan Vikas Patra (KVP)
Kisan Vikas Patra (KVP) is a fixed-rate savings scheme that doubles your lump-sum investment within a few months.
Currently, investments double in 115 months (9 years and 7 months).
Senior Citizen Savings Scheme (SCSS)
SCSS is among the highest-paying most trusted post-retirement investment schemes.
- Interest Rate: 8.2% p.a.
- Investment Limit: ₹1,000 minimum, maximum Rs 30 lakh
- Tenure: 5 Years
- Interest: paid every quarter
Explore More: Senior Citizen Saving Scheme 2026
Post office Public Provident Fund (PPF)
PPF remains one of India's most popular long-term tax-saving investments.
- Interest Rate: 7.1% p.a.
- Minimum tenure: 15 Years
- Investment: minimum ₹500 per year, maximum ₹1.5Lakh per year
Also Read: Public Provident Fund Scheme 2026
Sukanya Samriddhi Yojana (SSY)
SSY is a government savings scheme dedicated to the financial future of the girl child.
- Interest Rate: 8.2% p.a.
- Deposit limit: minimum ₹250 per annum, maximum ₹1.5 lakh per financial year
- Tenure: 15 years
- Maturity: After 21 years from account opening
Explore More: Sukanya Samriddhi Yojana 2026
These schemes are considered among the safest investment options in India because they are supported by the Government of India.
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