Postal Schemes
Postal schemes are savings and investment plans offered through the national postal network. These plans combine safety, steady returns, and easy accessibility. They are suitable for salaried individuals, senior citizens, and others looking for dependable long-term savings avenues. Each scheme has its own structure, maturity period, and interest rate, enabling investors to choose according to their preferences.
Fund Types
Explore Different Postal Schemes Options
Each type offers distinct benefits for various investment goals.
Post Office Savings Account
A simple savings account that allows regular deposits and withdrawals while earning interest. It functions much like a traditional bank account but is managed through the post office.
Recurring Deposit (RD) Account
Encourages disciplined monthly savings by allowing fixed deposits each month for a predetermined period. It helps in building a lump sum over time.
Time Deposit (TD) Account
A fixed deposit account available for different tenures (1, 2, 3, or 5 years). It offers assured returns with interest paid annually.
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Monthly Income Scheme (MIS)
Designed for individuals seeking regular income. A lump-sum investment earns interest, which is paid out monthly, ensuring a steady cash flow.
Public Provident Fund (PPF)
A long-term savings option with tax benefits and attractive interest rates. It helps in building a corpus for future needs with a lock-in period of 15 years.
Senior Citizens Savings Scheme (SCSS)
Specifically meant for individuals above 60 years of age, this plan provides quarterly interest payments and a secure investment platform.
Key Features
Why Choose This Service
Explore the unique advantages this service provides.
Government-Backed Security
All schemes are supported by the government, ensuring trust and safety for depositors.
Flexible Investment Options
Multiple schemes with different tenures and return structures allow flexibility based on individual preferences.
Guaranteed Returns
Interest rates are declared periodically and provide predictable, assured returns.
Accessible Nationwide
Available through a wide network of post offices, making them easy to operate and maintain.
Suitable for All Age Groups
Suitable for All Age Groups
From small savers to retirees, these schemes offer something for everyone.
Simple Procedures
Easy account opening and minimal documentation make participation convenient.
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