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India Post High Return Scheme: High Interest Available in These Schemes; Complete Details Inside

Pronami Chetia
Pronami Chetia

Have you ever thought of saving and investing in Post Office? If not then do think of it as there are many beneficial schemes in the post office to keep your money safe and give more profits in return than any other sources. Moreover, small savings can result in big in coming times and offer great relief in future. Let's know about high return postal scheme which is beneficial for every Indian household. 

High Return Scheme of India Post

Moreover, these small saving scheme generate high returns in last 2 years. Small savings schemes such as Public Provident Fund, Sukanya Samriddhi and Kisan Vikas Patra are the main attraction of the Post Office Small Saving Schemes which are supported by the government and come with a tenure of 15 years. This ensures that in the period October-December, your PPF fund will continue to receive an annual return of 7.1 percent.

Whereas the savings in Senior Citizen Savings Scheme (SCSS) will continue to grow at the rate of 7.4 percent per year. In recent times, there are nine small savings schemes are available in India Post which offers best return policy.

Post Office PPF, SCSS, Savings Account, Time Deposit, Recurring Deposit (RD Account), Monthly Income Scheme (MIS), Sukanya Samriddhi, Kisan Vikas Patra and National Savings Letter are the best policies which offers highest interest.

Out of these, at 7.6 percent, Sukanya Samriddhi Yojana actually pays the highest returns.

On a quarterly basis, the Finance Ministry updates the interest rates on nine small savings schemes.


  9 Small Savings Scheme                             Current Interest Rate

 Post Office Savings Account                                4.00%

 5-Year Post Office Recurring Deposit Account    5.80%

 1-Year Post Office Time Deposit Account           5.50%

 2-Year Post Office Time Deposit Account            5.50%

 3-Year Post Office Time Deposit Account            5.50%

 5-Year Post Office Time Deposit Account           6.70%

 Post Office Monthly Income Scheme                  6.60%

 Senior Citizen Savings Scheme                         7.40%

15 Year Public Provident Fund                          7.10%

National Savings Letter                                     6.80%

Kisan Vikas Patra                                              6.90%

 I like prosperity account                                    7.60%


Being risk-free, the scheme serves as an opportunity for conservative and inexperienced investors to park a certain amount of funds at regular intervals! Individuals get interest on their deposits which are compounded quarterly.

 Who are eligible to open RD account at the post office?

 Those who want to open RD account in Post Office, they have to meet these criteria -

  • Indian citizens who are over 18 years of age

  •  Minors over the age of 10

  •  Parents or guardians who wish to open and operate a minor account on their behalf

  • Indian citizens above the age of 18 years will be considered eligible to operate RD Account alone or jointly in the post office. However, a minor over the age of 10 years can jointly operate his / her account with his / her guardian. 

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