If you want to earn a big return by investing without risk, then post office schemes are the best for you. Among some of these schemes, the Modi government gives a guaranteed return of 8.2 percent. Along with this, the benefit of tax exemption is also available. These post office schemes are specially designed for women.
Sukanya Samriddhi Yojana
In this scheme started in the name of daughters, the government is currently paying an annual interest of 8.2%. This is the highest in any post office scheme. Parents or parents can open this account by the age of 10 years of the child. It can be deposited up to ₹ 1.5 lakh annually, and it is completely tax free. The scheme is matured in 21 years or after the daughter gets married after the age of 18.
Public Provident Fund (PPF)
PPF is extremely popular among women seeking safe investment for a long time. Its duration is 15 years, which can be carried forward in a 5-5 year block. Currently, its interest rate is 7.1%, which is an annual compound. Investments, interest and maturity money made in PPF are tax free.
Confused savings in five years from National Savings Certificate (NSC)
If a woman wants a definite and safe investment for medium term, NSC is a suitable option. This five -year plan receives 7.7% annual interest, which is given outright on maturity. There is also a tax exemption under section 80C on investment.
Post Office Monthly Income Scheme (POMIS) fixed income every month
Women are choosing this scheme to meet the monthly needs of the house. It gets 7.4% annual interest, which comes into account every month. The plan is for 5 years and it is allowed to invest up to a maximum of ₹ 9 lakh (personal account) and ₹ 15 lakh (joint account). This scheme is ideal for housewives and senior women.
Women’s Honor Savings Certificate (MSSC)
The scheme brought only for women was launched in 2023 and is now becoming quite popular. It has only 2 years of investment tenure and 7.5% annual interest is paid, which is a compound on a quarterly basis. A maximum of ₹ 2 lakh can be invested and a lump sum amount is received on maturity.
Why are post office schemes special
Experts believe that these post office schemes are more favorable for women who do not want to take risks but want stable and safe return. Due to the facility of tax savings, these schemes are proving to be effective for both the employed and the housewife. Confirm the latest interest rates and the conditions of the scheme from the official website or the nearest post office. You can invest according to your need. These interest rates are currently up to July-September 2025.