The Indian Post Office has been a trusted savings platform for generations, offering secure, government-backed schemes that cater to everyone—from salaried individuals to senior citizens. With updated interest rates and flexible terms, the Post Office Special Saving Scheme 2025 continues to be an essential tool for safe and steady returns.
Here’s a detailed guide covering all key savings instruments like SB, RD, TD, MIS, NSC, and their respective features.
Post Office Savings Schemes 2025 – Key Highlights
| Scheme Name | Interest Rate (2025) | Maturity | Compounding | Minimum Deposit |
|---|---|---|---|---|
| Savings Account (SB) | 4.00% p.a. | No maturity | Simple interest | ₹500 |
| Recurring Deposit (RD) | 6.7% p.a. | 5 years | Quarterly compounding | ₹100/month |
| Time Deposit (TD) – 1 Year | 6.9% p.a. | 1 year | Annual (calculated quarterly) | ₹1,000 |
| Time Deposit (TD) – 2 Years | 7.0% p.a. | 2 years | Annual (calculated quarterly) | ₹1,000 |
| Time Deposit (TD) – 3 Years | 7.1% p.a. | 3 years | Annual (calculated quarterly) | ₹1,000 |
| Time Deposit (TD) – 5 Years | 7.5% p.a. | 5 years | Annual (calculated quarterly) | ₹1,000 |
| Monthly Income Scheme (MIS) | 7.4% p.a. | 5 years | Monthly payouts | ₹1,000 |
| National Savings Certificate (NSC) | 7.7% p.a. | 5 years | Annual (paid at maturity) | ₹1,000 |
Detailed Breakdown of Post Office Savings Schemes
Post Office Savings Account (SB)
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Eligibility: Single adult, joint account (2 adults), guardian for a minor or person with disability. Minors above 10 years can operate their own account.
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Interest Rate: 4% per annum
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Minimum Balance: ₹500
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Withdrawal Limit: Minimum ₹50; balance must not drop below ₹500
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Penalty: ₹50 deducted if balance is below ₹500 at year-end
5-Year Recurring Deposit Account (RD)
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Interest Rate: 6.7% per annum, compounded quarterly
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Deposit: ₹100 per month minimum; payable before the 15th of each month
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Eligibility: Individual or joint account (up to 3 adults); minors 10+ eligible
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Extension: Renewable for another 5 years upon application
Post Office Time Deposit Account (TD)
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Interest: Compounded quarterly but paid annually
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Deposit: Minimum ₹1,000; no upper limit
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Tenure Options: 1, 2, 3, or 5 years
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Interest Rates (2025):
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1 Year – 6.9%
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2 Years – 7.0%
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3 Years – 7.1%
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5 Years – 7.5%
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Monthly Income Scheme (MIS)
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Interest Rate: 7.4% per annum, paid monthly
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Deposit Limits: ₹9 lakh for single account, ₹15 lakh for joint accounts
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Tenure: 5 years
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Eligibility: Single or joint accounts; minors over 10 years can apply
National Savings Certificate (NSC)
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Interest Rate: 7.7% per annum, compounded annually but paid at maturity
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Deposit: Minimum ₹1,000, no upper limit
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Tenure: 5 years
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Eligibility: Single or joint holders, including minors and guardians
Benefits of Post Office Savings Schemes in 2025
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Backed by the Government of India
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Safe and risk-free investment options
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Suitable for conservative investors
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Flexible options for regular income (MIS) or long-term growth (NSC)
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Tax benefits available on select schemes like NSC under Section 80C
FAQs
What are the Post Office Savings Schemes available in 2025?
The main schemes include the Savings Account (SB), Recurring Deposit (RD), Time Deposit (TD), Monthly Income Scheme (MIS), and National Savings Certificate (NSC), each offering different interest rates and benefits.
Are Post Office schemes safe?
Yes, all Post Office savings schemes are fully backed by the Government of India, making them one of the safest investment options for conservative investors.
Can I earn regular income from these schemes?
Yes, the Monthly Income Scheme (MIS) provides monthly interest payouts, suitable for retirees or those seeking stable income.
What is the minimum deposit amount?
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Savings Account: ₹500
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Recurring Deposit: ₹100/month
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Time Deposit & NSC: ₹1,000
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MIS: ₹1,000
Where can I open a Post Office savings scheme?
You can open these accounts at any India Post branch or apply online via the official India Post website.
Click here to know more.
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