Whether it is the education of daughters, the need of funds at the time of their marriage or preparation for retirement, you can choose the scheme according to your convenience. Currently, this interest rate is for the July-September 2025 quarter.
If you want to earn huge returns by investing without risk, then post office schemes are the best for you. In some of these schemes, the Modi government is giving a guaranteed return of 8.2 percent. Along with this, the benefit of tax exemption is also available. These post office schemes have been specially designed for women.
Sukanya Samriddhi Yojana
In this scheme started in the name of daughters, the government is currently giving an annual interest of 8.2%. This is the highest in any post office scheme. Parents or guardians can open this account till the girl child is 10 years old. Up to ₹ 1.5 lakh can be deposited in it annually, and it is completely tax free. The maturity of the scheme occurs at 21 years or when the daughter gets married after the age of 18.
Public Provident Fund (PPF)
PPF is very popular among women who want safe investment for a long time. Its duration is 15 years, which can be extended in blocks of 5 years each. Currently, its interest rate is 7.1%, which is compounded annually. Investments made in PPF, interest and maturity amount – all three are tax free.
National Savings Certificate (NSC) provides guaranteed savings in five years
If a woman wants a fixed and safe investment for the medium term, then NSC is a suitable option. This five-year plan gives 7.7% annual interest, which is paid in lump sum on maturity. Investment in this also gets tax exemption under Section 80C.
Fixed income every month in Post Office Monthly Income Scheme (POMIS)
Women are choosing this scheme to meet the monthly needs of the house. It gives 7.4% annual interest, which comes into the account every month. The scheme is for 5 years and allows a maximum investment of ₹9 lakh (personal account) and ₹15 lakh (joint account). The scheme is ideal for housewives and senior women.
Mahila Samman Savings Certificate (MSSC)
This scheme brought only for women was launched in 2023 and is now becoming very popular. It has an investment tenure of just 2 years and 7.5% annual interest is given, which is compounded 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 suitable for women who do not want to take risk but want stable and safe returns. Due to the facility of tax savings, these schemes are proving to be effective for both employed and homemakers. Confirm the latest interest rates and scheme terms from the official website or nearest post office. You can invest according to your needs. These interest rates are currently valid till July-September 2025.
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