Post Offices across India offer a variety of government-backed savings schemes that provide guaranteed returns and secure your financial future.
The interest rates are announced every quarter, and these schemes cater to all age groups, including women, children, and senior citizens.
For the January-March 2026 quarter, here are the top 5 savings schemes you should know about:
Senior Citizen Savings Scheme (SCSS)
SCSS is exclusively for senior citizens and offers a high interest rate of 8.2%, making it one of the best options compared to bank fixed deposits.
The scheme provides regular income and financial security for retirees.
Sukanya Samriddhi Yojana (SSY)
SSY is designed to encourage savings for girls. Parents can open an account in their daughter’s name up to 10 years of age.
The scheme currently offers 8.2% interest, helping build a strong corpus for her future education or marriage.
Post Office Monthly Income Scheme (POMIS)
POMIS is ideal for those seeking regular monthly income.
It offers an interest rate of 7.4%, paid every month, and is backed by the government, making it a safe and steady investment.
National Savings Certificate (NSC)
NSC is a popular low-risk investment that provides guaranteed returns and tax benefits under Section 80C.
The current interest rate is 7.7%, and it is widely used for small to medium-sized savings.
Mahila Samman Savings Certificate (MSSC)
MSSC is aimed at women and girls to encourage safe investments.
It offers fixed income with capital protection and an interest rate of 7.5%.
Available at post offices and select banks, it is a reliable savings option for women investors.
Which Scheme Offers the Highest Returns?
Currently, the Senior Citizen Savings Scheme (SCSS) and Sukanya Samriddhi Yojana (SSY) offer the highest interest rates of 8.2%, making them the top choices for senior citizens and parents saving for their daughters.
These post office savings schemes are a safe and profitable way to grow your money while staying protected, with the added advantage of government backing.
