Post office offers various deposit schemes for various category of investor at attractive rate of interest. Post office Deposits are considered to be the safest deposits as they are controlled by Government of India.
Few Popular Post office schemes are
| Scheme | Interest Rate (Updated) | Minimum Investment (Rs) | Maximum Investment | Eligibility | Tax Implications |
| Post Office Savings Account | 4% | 500 | No limit | Individuals including Minors | Exempted Interest up to ₹10,000 |
| National Savings Recurring Deposit Account | 6.7% | 100 per month in multiples of 10 | No limit | Individuals including Minors | – |
| National Savings Time Deposit Account | 6.9% – 7.5% | 1,000 and multiples of 100 | No limit | Individuals including minors | Section 80C deduction on deposits for 5 Years |
| National Savings Monthly Income Account | 7.4% p.a. payable monthly | 1,000 | Max Rs 4.5 lakh for single A/C and Rs 9 lakh for Joint A/C | Individual including minors | The interest you earn is taxable and there are no deductions on the deposits, as per Sec 80 C |
| Senior Citizen Savings Scheme Account | 8.2% p.a. (Compounded Annually) | 1,000 | Max Rs 30 lakh | Persons more than 60 years of age and above 50 years of age who have taken VRS or superannuation. | There are tax benefits on scheme deposits as per Sec 80 C
TDS is deducted if the interest earned is more than Rs 50,000 Interest taxable if more than Rs 50,000 |
| Public Provident Fund Account (PPF) | 7.1% p.a. (Compounded Annually) | 500 | Max 1.5 lakh per financial year | Individual and minors | Tax relief available under section 80C for deposits
Interest earned is tax-free |
| National Savings Certificates (NSC) | 7.7% p.a. (Compounded Annually) but payable at maturity | 1,000 | No Limit | Individual and minors | Deposits qualify for tax exemption under 80C |
| Kisan Vikas Patra Account | 7.5% p.a. (Compounded Annually) | 1,000 | No limit | Individual and minors | The interest is taxed, but the amount received upon maturity is tax-free |
| Sukanya Samriddhi Account | 8.2% p.a. (Compounded Annually) | 250 | Max 1.5 lakh per financial year | Girl child below the age of 10 is eligible. To be opened in the name of the girl child by the guardian | – |