Post Office Scheme: New interest rates for the new year: These Post Office schemes offer the highest returns..

The Post Office runs several types of savings schemes. Many people invest in these schemes to secure their future. One advantage of investing in the Post Office is that you get a fixed, guaranteed return. The government announces the interest rates for these schemes every quarter.

The government has also announced the interest rates for small savings schemes for the January-March quarter. India Post manages the country's largest small savings schemes. The Post Office has schemes for every segment of society. There are different Post Office schemes for women, children, and senior citizens.

Post Office Top 5 Saving Schemes
The small savings schemes offered through post offices provide a range of investment options for citizens of various age groups. These schemes – government-backed investment options – are designed to encourage investors to save money and build financial security for themselves and their families.

Let's learn about the 5 best Post Office savings schemes for 2026. We will also find out which one offers the highest returns.

Senior Citizen Savings Scheme (SCSS)
Sukanya Samriddhi Yojana (SSY)
Post Office Monthly Income Scheme (POMIS)
National Savings Certificate (NSC)
Mahila Samman Savings Certificate (MSSC)

Mahila Samman Savings Certificate Scheme
The Mahila Samman Savings Certificate (MSSC) is a small savings initiative aimed at encouraging women and girls to invest securely. Available at post offices and some banks, this scheme offers fixed interest income and capital protection. Currently, the interest rate is 7.5% (Mahila Samman Savings Certificate Interest Rate).

National Savings Certificate
The National Savings Certificate is a popular, government-backed, fixed-income savings scheme in India that offers guaranteed returns and tax benefits under Section 80C of the Income Tax Act. It is designed to encourage small to medium savings among Indian residents and is considered a low-risk investment. The government has kept the interest rate on National Savings Certificates (NSC) unchanged at 7.7 percent.

Post Office Monthly Income Scheme
The Post Office Monthly Income Scheme (POMIS) is an investment scheme recognized and approved by the Ministry of Finance. With an interest rate of 7.4%, it is one of the highest-yielding schemes. The interest in this scheme is disbursed monthly.

Sukanya Samriddhi Yojana
The Sukanya Samriddhi Yojana account is a special savings scheme for girl children. You can open an SSY account in the name of your daughter, up to 10 years of age, at the post office. The current interest rate for this scheme is 8.2%.

Senior Citizen Savings Scheme
The SCSS is a small savings scheme specifically available for senior citizens. This scheme currently offers an interest rate of 8.2%, which is higher than the fixed deposit interest rates offered by all top banks such as State Bank of India, HDFC Bank, ICICI Bank, Bank of Baroda, Punjab National Bank, Axis Bank, and others.

Which Post Office scheme offers the highest return?
Currently, the Senior Citizen Savings Scheme (SCSS) offered by the Post Office provides the highest return. The interest rate for this scheme is currently the highest. Its interest rate for the January-March quarter is 8.2%.

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