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8 Best Post Office Yojana 2021|| पोस्ट ऑफिस सेविंग स्कीम 2021


8 Best Post Office Yojana 2021|| पोस्ट ऑफिस सेविंग स्कीम 2021

post office yojana



If you’re considering that the post office is just for sending letters then you might be wrong. The post office provides its services not only by way of sending letters to its customers but additionally through new schemes. If you believe in making an investment, then post office small financial savings schemes investment could also be a good option for you.

Post Office Schemes


post office schemes – Post Office Small Schemes provides its customers a number of deposit schemes. This Post Office Yojana is supported by the Central Government and is also very popular because of its assured returns. Many of these schemes even have the scope of income tax exemption under Section 80 of the Indian Income Tax Act. Most of the post office schemes under 80c


1. Post Office Savings Account
Under this scheme, customers can open a financial savings account on the post office with an amount of ₹ 20 only. Interest is currently being paid on the rate of 4% on his account.


2. Public Provident Fund (PPF)
Under this scheme, funding amount, interest earned and maturity amount could be exempt from income tax. This plan is for a lock-in period of 15 years however you’ll get partial withdrawal facility after 7 years. The minimal amount of ₹ 500 and maximum amount of 1.50 lakh rupees has been kept on this scheme. The scheme is getting interest on the rate of 7.1%.


8 Best Post Office Yojana 2020


8 Best Post Office Yojana 2021

पोस्ट ऑफिस सेविंग स्कीम 2021



3. Kisan Vikas Patra

The biggest benefit of making an investment on this scheme is that the amount of investment doubles. The minimal investment amount is thousand rupees and there’s no restrict at the maximum amount. The time to double the rate of interest and the investment amount is Three months. This time has been set by way of the government. The post office Kisan Vikas Patra is currently paying interest to customers on the charge of 6.9%.


4. Post Office RD (Recurring Deposits)

To avail this scheme, the customer is going to the post office for 5 years RD. Accounts can be opened. This scheme is suitable for making an investment small fixed amount at common intervals. The minimal amount to invest on this scheme is ₹ 10 and there’s no restrict on the maximum amount. Customers are getting interest at the rate of 5.8% thru this scheme.


post office schemes for senior citizens



Post office Interest rate chart


5. Senior Citizen Savings Scheme (SCSS)

As the title suggests, this scheme is acceptable only for senior citizens. Only people elderly 60 years or above can take part in the investment under this scheme. The minimum investment amount is thousand rupees and the maximum investment amount is 15 lakh rupees. Under this scheme, customers get interest on the rate of 7.4%.


6. Sukanya Samriddhi Yojana (SSY) post office sukanya yojana 

This scheme comes underBeti Bachao Beti Padhao‘. On this scheme additionally, investment amount, interest earned and majority amount are exempt from income tax. Underneath this scheme, parents or legal guardians can open an account for a maximum of 2 daughters. The minimum amount has been kept at thousand rupees and the maximum quantity is 1.5 lakh rupees. On this scheme, the customer will get interest on the charge of 7.6%. post office sukanya samriddhi yojana details


7. Post Office Time Deposit (POTD)

On this scheme, the post office bank provides a time deposit like FD. The minimum amount on this scheme is ₹ 200 and there’s no cap at the maximum amount. The interest rate on this scheme ranges from 5.5 to 6.7%.


8. Five Year National Savings Certificate

On this scheme, a lock-in period of 5 years has been fixed. There is not any minimum investment amount of ₹ 100 and maximum limit. Income tax exemption could also be available on this scheme. Under this scheme the customer will get interest on the charge of 6.8%.


Frequently Asked questions – Post Office Schemes

Who determines the rate of interest in Small Financial savings Scheme?
The government fixes all rates of interest of this scheme every quarter.

Where can I get information related to the schemes?
You’ll get information about all of the schemes under Small financial savings scheme by going to the post office or by way of visiting the post office website online.

Can an account within the post office be opened in the name of a minor?
Sure, accounts under different schemes can be opened within the name of a minor but it’s mandatory for their folks or legal guardians to be with them.

Where will one go to open an account under these schemes?
To avail those schemes, it’s important to go to the post office and get the necessary information and open an account. you may also calculate post office sukanya samriddhi yojana calculator 2020


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