If you want to earn high returns without taking any risk, post office savings schemes are a great option.
Some of these schemes, specially designed for women, offer a guaranteed return of up to 8.2%. Along with this, investors also get the benefit of tax exemption.
Top Post Office Schemes for Women
Sukanya Samriddhi Yojana
This scheme is launched for daughters. It currently offers 8.2% annual interest, the highest among all post office schemes.
Account can be opened by parents/guardians until the girl turns 10.
You can invest up to ₹1.5 lakh per year, and the entire amount is tax-free.
The scheme matures when the girl turns 21 or gets married after 18.
Public Provident Fund (PPF)
PPF is popular for safe, long-term investment.
Tenure: 15 years, extendable in blocks of 5 years.
Current interest rate: 7.1% (compounded yearly).
Investment, interest, and maturity amount – all are tax-free.
National Savings Certificate (NSC)
NSC is ideal for medium-term, fixed returns.
Duration: 5 years.
Interest: 7.7% annually, paid as a lump sum on maturity.
Eligible for tax deduction under Section 80C.
Post Office Monthly Income Scheme (POMIS)
This scheme is helpful for meeting monthly household expenses.
Interest: 7.4% annually, credited every month.
Tenure: 5 years.
Max investment: ₹9 lakh (single) or ₹15 lakh (joint).
Best suited for housewives and senior women.
Mahila Samman Savings Certificate (MSSC)
Launched in 2023 exclusively for women, this scheme is becoming very popular.
Tenure: 2 years.
Interest: 7.5% annually, compounded quarterly.
Max investment: ₹2 lakh.
Lump sum amount is given at maturity.
Why These Schemes Are a Good Choice
Experts say these schemes are perfect for women looking for safe and steady returns without any risk.
The tax-saving benefits also make them ideal for both working women and housewives.
Always check the latest interest rates and terms from the official post office website or your nearest branch.
The current interest rates are applicable for the July to September 2025 quarter.
