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Post Office FD Interest Rates : These schemes will earn more than 7.5% interest, more than bank FDs.

Post Office FD Interest Rates: India’s middle class depends a lot on Post Office Saving Schemes for savings! So here we are telling you about some schemes of Post Office, on which the interest rate is more than 7.5 percent and it is more than the FD of many banks! Know about them..

National Savings Certificate (NSC) is the most popular among Post Office Saving Schemes! It is a type of bond that provides an annual interest rate of 6.8%, but it is paid only after the maturity of the bond!

Investment can be made in NSC only with an initial amount of 1,000 rupees! Its maturity is 5 years! But according to the rule of 72, it takes 10.7 years to double the money invested in NSC (National Savings Certificate)!

Post Office FD Interest Rates

Due to high interest rate, Post Office Kisan Vikas Patra (KVP) is a good saving tool among middle class people! Usually people buy it just to double the money! It gives an annual compound interest of 6.9%! In this way, the money invested in it doubles in 10.4 years! A minimum of 1,000 rupees can be invested in KVP (Kisan Vikas Patra)!

The Post Office also runs a National Savings Monthly Income Scheme (Post Office MIS Scheme)! The customer gets an interest rate of 6.6% per annum on this, but it is paid on a monthly basis in his account! Investment in this scheme (POMIS) starts from Rs 1,000 with a maximum limit of Rs 4.5 lakh in a single account and Rs 9 lakh in a joint account!

SCSS Interest Rate

SCSS runs a separate savings scheme for Post Office Senior Citizens! The person investing in it gets 7.4% interest per annum! And interest is paid on quarterly basis! Any person above 60 years can invest in it and the maximum limit of this investment is 15 lakh rupees!


Apart from this, people use Sukanya Samriddhi Yojana from the post office! And people can also take the facility of investing in Provident Fund (PPF)! It gives an interest of 7.6% and 7.1% respectively! The government interest for PPF accounts keeps changing from time to time! The government can also change the interest on other savings schemes!

Compare the interest on Post Office Saving Schemes with FD (Fixed Deposit) of banks! So the interest on FDs of most banks ranges from 2.5% to 5.5%! The highest interest rate given by Axis Bank is 5.75%! While the maximum interest rate on bank FDs for senior citizens is 6.5%! While in the post office it is more than 7%!


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