Bumper Returns! Invest in these amazing post office schemes, earn more profit than fixed deposits and earn over 7% interest...

To make money, investing at the right time and in the right place is paramount. So, if you're looking for a safe investment, then post office schemes are the best option for you. Post office small savings schemes have consistently delivered excellent returns. Many schemes offer higher interest rates than large bank fixed deposits. Investments in these schemes are fully guaranteed by the government, and some even offer tax benefits.

Higher Interest than FDs—The Growing Popularity of Post Office Schemes
Many post office schemes currently offer interest rates that are significantly higher than those offered by large private and public sector banks. The government reviews the interest rates on these schemes quarterly, and the interest rates applicable from October 1 to December 31, 2025, are quite attractive to investors. The following schemes offer interest rates of around 7% or more:

Which post office schemes offer higher interest rates than fixed deposits?

The government revises the interest rates on post office schemes quarterly. Currently, the following schemes offer interest rates of around 7% or more:
Scheme Interest Rate (01.10.2025 – 31.12.2025) Compounding
2-Year Time Deposit 7.0% (₹719 per annum on ₹10,000) Quarterly
3-Year Time Deposit 7.1% (₹729 per annum on ₹10,000) Quarterly
5-Year Time Deposit 7.5% (₹771 per annum on ₹10,000) Quarterly
Senior Citizen Savings Scheme 8.2% (₹205 per quarter on ₹10,000) quarterly
Monthly Income Account (MIS) 7.4% (₹62 per month on ₹10,000) monthly
National Savings Certificate (NSC) 7.7% (maturity ₹14,490 on ₹10,000) annually
Public Provident Fund (PPF) 7.1% annually
Kisan Vikas Patra (KVP) 7.5% (maturity in 115 months) annually
Mahila Samman Savings Certificate 7.5% (maturity ₹11,602 on ₹10,000) quarterly
Sukanya Samriddhi Yojana 8.20% annually

Which private banks are offering the highest FD interest?

Only a few private banks are offering FD rates of 7% or above:

Bank Interest Rate Duration
Bandhan Bank 7.2% 2–3 years
DCB Bank 7.2% 37–38 months
RBL Bank 7.2% 18 months–3 years
IDFC First Bank 7% 450 days–5 years
IndusInd Bank 7% 555 days
SBM Bank 7.1% 15 months–3 years

(Other banks are offering interest rates of around 6.5%–6.9%.)

Which public sector banks are offering higher FD interest rates?

Most public sector banks are offering FD interest rates ranging from 6.5% to 6.75%:

Bank Interest Rate Duration
Bank of Maharashtra 6.65% 500 days
Central Bank of India 6.75% 2222/3333 days
Indian Overseas Bank 6.7% 444 days
SBI 6.6% 444 days (Amrit Varsha)

Why are post office schemes considered safe?
In terms of security, there are hardly any safer options than post office schemes. Your deposits in bank FDs are covered under DICGC insurance only up to ₹5 lakh. Therefore, if the bank collapses, money above this limit may be lost. However, post office small savings schemes are covered under the sovereign guarantee of the Government of India. This means:

Whether you invest ₹1,000 or ₹10 lakh,

Whether the market rises or falls,

Whether a banking crisis occurs,

The government guarantees your entire investment.

Therefore, these schemes are considered the safest investment option in the country.

Conclusion: Why is investing in post office schemes wise?

If you are risk-averse and want stable and better returns, post office schemes are the perfect choice. Interest rates ranging from 7% to 8.2%, government protection, tax benefits, and excellent long-term returns—all these make them better than fixed deposits.

Safe returns + government guarantee = smart investment. Note: This article is for informational purposes only and should not be construed as investment advice. (Suggest consulting a financial advisor before making your investment decision.)

Disclaimer: This content has been sourced and edited from Dainik Jagran. While we have made modifications for clarity and presentation, the original content belongs to its respective authors and website. We do not claim ownership of the content.