Looking for safe and rewarding investment options with guaranteed returns? India Post (Post Office) offers a wide range of small savings schemes designed to meet the needs of individuals from all income groups. Whether you are a daily wage earner, a salaried employee, a retiree, or a parent planning for your daughter’s future—Post Office saving schemes are a smart, government-backed choice in 2025.
These schemes not only offer attractive and stable interest rates but also come with tax benefits and the assurance of the Government of India.
Let’s explore the top Post Office savings schemes and find out which one suits your financial goals.
Official Link: India Post Savings Schemes - https://www.indiapost.gov.in
Whether you’re looking for monthly income, retirement planning, education funds, or safe fixed returns, Post Office Small Savings Schemes offer something for everyone. With guaranteed returns, sovereign backing, and attractive interest rates for Q2 FY 2025-26, now is the perfect time to make smart financial choices.
Choose the scheme that best fits your financial goal — be it growth, income, or tax savings.
To open an account under any Post Office Savings Scheme, visit your nearest branch and submit:
Account Opening Form & KYC Form
PAN Card & Aadhaar Card (alternatives like Passport, Voter ID, Driving License, or Job Card also accepted)
Proof of Date of Birth (for Sukanya Samriddhi Yojana)
Nomination details (mandatory, up to 4 nominees allowed)
For minors, guardian’s documents are required.
Investments above ₹10 lakh require proof of source of funds (PMLA, 2002).
NRIs, Trusts, Firms, and Institutions are not eligible.
Post office account holders can now access eBanking and Mobile Banking by submitting the prescribed activation form. Within 48 hours, users receive an activation code to register at India Post eBanking Portal.
Open RD/TD accounts online
Deposit into SB/PPF/SSA accounts
Loan/withdrawal facility for RD & PPF
View and download transaction history
Stop cheque requests
Mini statement and balance enquiry
Accounts can be transferred between any CBS (Core Banking Solution) Post Offices.
PPF, SCSS, and SSA accounts can also be shifted between banks and post offices.
Prescribed transfer form, passbook, and fee (₹100 + GST) required.
Maturity Payment:
Below ₹20,000 → Paid in cash
₹20,000 or above → By cheque or transfer to PO savings account
In case of Depositor’s Death:
If nomination exists → Claim form + Death certificate + ID proofs
Without nomination (up to ₹5 lakh) → Additional affidavit, indemnity, and disclaimer forms required
Duplicate passbook – ₹50
Duplicate certificate – ₹10
Change of nomination – Free
Account transfer – ₹100
Cheque book – First 10 leaves free, then ₹2 per leaf
Cheque dishonour – ₹100 + taxes
The Department of Posts has launched ePassbook for POSB schemes, offering:
Balance enquiry
Mini statement (for SB, PPF, SSA)
Full statement (to be launched in phases)
Always update Mobile Number, PAN, and Nomination in your account.
Avail auto-credit facility for SCSS, MIS, and TD interest.
Link accounts with NEFT/RTGS for seamless transfers.
Use India Post’s toll-free number 1800 266 6868 for balance check, IVR services, and ATM card blocking.
SMS alerts available for transactions above ₹1000 (debit) and ₹2000 (credit).