Hello Guys, In this post, we will discuss about the latest interest rates of Post Office schemes and will know what interest rate is applicable in which scheme. Friends, Post office is considered one of the safest instruments in India which is backed by the government.
Because of this, people have a lot of trust in it. Currently, the post office offers a senior citizen savings scheme, monthly income scheme, post office recurring deposit, National Savings Certificate and many other good schemes.
For this reason, people’s interest in the post office is quite visible. Also in India people focus more in fixed interest rate instruments because of no risk. Apart from that many post office schemes are also tax-free. We’ll discuss this later.
Post Office Latest Interest Rates 2025:
-First of all, let’s talk about the post office savings account.. the annual interest rate in this is 4%.
-Talking about the recurring deposit scheme of the post office, its annual interest is 6.7%.
(And it has a maturity period of 5 years. This means you have to deposit money every month for 5 years.
After 5 years, you can extend it for another 5 years.
And the recurring deposit scheme has a lock-in period of 3 months. You won’t be able to withdraw before three months.
You can withdraw from your recurring deposit account after three months, but you will receive interest as per the savings account scheme. If you withdraw it after 3 years then only you will get the recurring deposit interest rate which is 6.7%.
Now Let’s talk about the fixed deposit.
The fixed deposit interest rate for 1 year in the Post office is 6.9%
The interest rate is 7% for 2 years, 7.1% for 3 years, and 7.5% for 5 years.
Monthly Income account
Friends, the annual interest rate of the monthly income scheme is 7.4%.
Whose interest is credited into the account every month.
Now understand that if someone deposits Rs 15 lakh in this scheme, then every month an amount of Rs 9,250 credited into his account. This scheme is good for Senoior citizen people and who need extra income.
(And in this scheme lock in period of 5 years)
If someone needs to discontinue this monthly income plan in an emergency, they can withdraw the scheme after one year.
if we withdraw between 1 to 3 years, then a penalty of 2% will be applicable on the principal amount.
if we withdraw between 3 to 5 years, then a penalty of 1% of the principal amount will be charged.
So while taking any post office scheme, it is important to understand about all schemes details properly.
And in monthly income plan, maximum deposit of Rs 9 lakh is allowed for a single account holder.
And for the joint holder, a maximum deposit of Rs 15 lakh is allowed in this.
National Savings Certificate:
This scheme offers a 7.7% Interest annually, which is higher than monthly income plans and fixed deposits.
But this scheme has a 5-year lock-in period. So, you’ll get the principal and interest only after 5 years, at maturity.
You cannot withdraw the amount from this scheme before 5 years.
And in this scheme, tax benefit is also available under section 80C.
For example, If someone deposits Rs 10 lakh in this scheme. After 5 years, his maturity amount will be Rs 14,49,033.
So each scheme of the post office has different benefits
Kisan Vikas Patra
This is one of the oldest and trustable post office schemes.
Whose annual interest rate is 7.5%.
And its maturity period is slightly longer, which is 9 years and 7 months, which is total 115 months. So, your deposit amount will double in 9 years and 7 months.
And in case someone needs to withdraw from this scheme before 9 years, then you can withdraw from this scheme after two years.
The minimum amount allowed in this scheme is Rs 1000, and there is no maximum limit.
Mahila Samman Savings Certificate.
This scheme has an annual interest rate of 7.5%. And the maturity period is 2 years.
So after 2 years you will get the principal and interest.
And after completion of 1 year, 40% amount can be withdrawn from this scheme.
Public Provident Fund Scheme (PPF)
This is also very good scheme.
The interest rate is 7.1% per annum. And this scheme has a maturity period of 15 years.And after maturity, it can be extended for another 5 years.
And in this scheme you can deposit amount every month or yearly. And if someone needs to withdraw funds in emergency, then this scheme has the facility of partial withdrawal from the 7th financial year.
Loan facility is available up to 25% of the balance amount.
So while opening an account, you must understand all points. And the PPF amount is also tax-free. So, you will get tax benefits under this plan as well.
Sukanya Samriddhi Account Scheme
This is one of the popular schemes of the post office.
These scheme is very beneficial for those who have little daughters at home.
The annual interest rate is 8.2%, which is quite good. The child must be under 10 years of age to open an account.
And maximum 2 accounts can be opened per family.
In this scheme annual minimum deposit of Rs 250 is allowed.
And maximum deposit of Rs 1.5 lakh is allowed in this.
And its maturity period is a bit longer, which is 21 years.
So, you’ll receive your maturity amount after 21 years. However, under this scheme, you only need to deposit for 15 years.
If someone wants to withdraw money under this scheme, then the daughter completes 18 years of age, you can withdraw 50% of the amount.
And the biggest advantage is that its principal and interest amount are completely tax-free. So you won’t have to pay any taxes. So this is good plan by the government.
If someone deposits Rs 80,000 annually in this scheme for 15 years.
So, on maturity the total amount you’ll get Rs 36,94,708.
Senior Citizen Savings Scheme
This scheme has a interest rate of 8.2% annually. And you will get its interest in your account every quarter.
Under this scheme, you are allowed a minimum deposit of Rs 1000 and a maximum deposit of Rs 30 lakh.
If any senior citizen person deposits Rs. 20 lakh, he will get Rs 41,000 interest every quarter.
It has a 5-year maturity period. It can also be extended for another 3 years after the 5-year term.
To open an account, you must be 60+ years of age. Retired civilian employees must be between 55 and 60 years of age, and retired defense personnel must be between 50 and 60 years of age.
So friends, this are the latest interest rates in Post Office as of September 2025.
To open an account in any of these schemes, you can visit your nearest post office branch Or You can open through the Post office mobile app.
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