Top 5 Post Office Schemes If you’re looking for a risk-free investment, post office schemes are a safe bet. They offer guaranteed returns and no risk of loss. The top five post office schemes include the National Savings Recurring Deposit Account, the Public Provident Fund (PPF), the National Savings Certificate, Sukanya Samriddhi, and the Kisan Vikas Patra.
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Top 5 Post Office Schemes: If you want to invest your money without risk, the safest investment for you would be investing in a post office scheme. Here, your investment provides a guaranteed return. There’s no risk of any loss. You’re even given a guaranteed return. Even today, many people in India prefer investing in the post office rather than investing in the stock market, mutual funds, or other avenues. If you’re one of them and want to know the top 5 post office schemes, you’ve come to the right place.
Today, we’ll tell you about the 5 best post office schemes, which will help you choose the right investment options. The post office is one of India’s oldest organizations, established in October 1854 during the British era. Initially, it focused solely on mail delivery, and later began providing other financial services such as banking, insurance, and investments.
Top 5 Post Office Schemes
| Number | Name of the scheme | interest rate | Minimum Investment | Maximum investment |
| 1 | National Savings Recurring Deposit Account | 6.70% | 100 rupees | No limit |
| 2 | Public Provident Fund Account | 7.10% | 500 rupees | Maximum Rs 1.5 lakh per financial year |
| 3 | National Savings Certificate | 7.70% | 1000 rupees | No limits |
| 4 | Sukanya Samriddhi Account | 8.20% | 250 rupees | Maximum Rs 1.5 lakh per financial year |
| 5 | Kisan Vikas Patra Account | 7.50% | 1,000 | No limit |
1. National Savings Recurring Deposit Account
National Savings Recurring Deposit Account – This scheme helps small/poor investors build a fund to meet their future needs. This account can be opened either by a single adult or jointly by two adults. It offers a guaranteed return of 6.7%. You can start investing with as little as ₹100 per month.
2. Public Provident Fund Account
Public Provident Fund Account – The Public Provident Fund is a long-term investment scheme announced by the Government of India. It is a safe post office deposit scheme that offers tax exemptions and attractive interest rates each financial year. It offers an annual return of 7.1%. You can invest a maximum of ₹15 lakh annually in this scheme.
3. National Savings Certificate
National Savings Certificate (NSC) – This scheme is a fixed-income investment plan that can be opened at any post office. An initiative of the Government of India, it is a savings bond that encourages customers, primarily small- and middle-income investors, to invest while saving income tax. This scheme offers an annual return of 7.7%. The minimum investment amount is ₹1,000. There is no maximum limit.
4. Sukanya Samriddhi Account
Sukanya Samriddhi Account (SSY) is a savings scheme launched by the Government of India to improve the financial well-being of girls. This scheme enables parents to raise capital for their daughters’ future education and marriage expenses and offers attractive interest rates on investments, offering an annual interest rate of 8.2%. The minimum investment allowed is ₹250 and the maximum is ₹1.5 million.
5. Kisan Vikas Patra Account
Kisan Vikas Patra Account – Kisan Vikas Patra is a certificate scheme of the post office. It can practically double in a lump sum investment in about 9 years and 10 months. Currently, this scheme offers an interest rate of 7.5% per annum.
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