Post Office Scheme Interest Rates: Q2 FY25

Sandeep Singh

Jul 11,2024

Small Savings Schemes

The government provides a string of small savings schemes that offer guaranteed returns. PPF, KVP, SCSS, Sukanya Samriddhi and Post Office TD are some of the popular financial instruments available at post offices.

Interest Rates for July-Sept '24

Read on to know the interest rates offered by these small savings schemes for the second quarter of FY25.

Post Office Savings Account

Money deposited in the Post Office Savings Account yields a return of 4% compounded annually.

Post Office TD Account

The Post Office Time Deposit Account - which essentially is a fixed deposit - comes in four maturity options, ranging from one year to five years. 

Post Office TD Account

The one-, two-, three- and five-year TD accounts offer interest rates of 6.9%, 7%,  7.1% and 7.5%, respectively, compounded quarterly.

Post Office 5 Year RD Scheme​​

Deposits in the five-year Recurring Deposit scheme grow at an annual 6.7% compounded quarterly.

Senior Citizen Savings Scheme​​

The Post Office Senior Citizen Savings Scheme (SCSS) offers an interest of 8.2% per annum compounded quarterly.

Monthly Income Scheme

The Post Office Monthly Income Scheme yields a return of 7.4% per annum compounded monthly.

Post Office NSC

The Post Office National Savings Certificate (VIII Issue) scheme provides a return of 7.7% compounded annually.

Post Office PPF 

The 15-year Public Provident Fund savings scheme offers a return of 7.1% compounded annually.​

Post Office KVP

The Post Office Kisan Vikas Patra​​ (certificate) scheme offers a return of 7.5% compounded annually.

Mahila Samman Savings Certificate

This special small savings scheme offers a return of 7.5% compounded quarterly.

Post Office SSA

Another special scheme, the Sukanya Samriddhi Account (SSA) yields a return of 8.2% compounded annually.

5 investment schemes that do not offer 80C benefits