Post Office Schemes

Fixed deposits, savings accounts, SCSS, and RD — we track rates daily so you always know where to park your money for the best returns.

• Kisan Vikas Patra 2026: The Post Office Scheme With a Tax Trap Most Investors Miss — KVP doubles your money in 115 months at 7.5% — but unlike NSC, it gives you zero Section 80C deduction, and 10% TDS gets deducted every single year. Here is who it actually suits.
• Sukanya Samriddhi Yojana 2026: Eligibility, Deposit Rules, Maturity, and How to Open an Account — SSY pays 8.2% with EEE tax treatment — but the account rules trip up most parents. This guide covers the under-10 eligibility window, the ₹250–₹1.5 lakh deposit range, the maturity date most families miscalculate (21 years, not 15), the 50% education withdrawal rule, and how to open or transfer an account in 2026.
• Post Office Monthly Income Scheme (POMIS) 2026: 7.4% Paid Out Every Month — POMIS pays 7.4% a year, credited monthly, on deposits up to ₹9 lakh single or ₹15 lakh joint — no market risk, no TDS, but also no 80C benefit. Here's the full 2026 rulebook and how the payout compares to a bank FD.
• Mahila Samman Savings Certificate 2026: Is It Still Open? What Replaces It Now — MSSC stopped accepting new deposits on April 1, 2025, and there's no relaunch on the table. Here's what happens if you already hold one, and what actually replaces it for women investors now — PPF, Sukanya Samriddhi, or a plain FD.
• Post Office Time Deposit (POTD) 2026: Rates, Section 80C Rules & Bank FD Comparison — POTD's 5-year rate of 7.5% beats every major bank's tax-saving FD, and only that 5-year tenure qualifies for Section 80C. But a 2023 rule now locks the same 5-year deposit in for a full 4 years with no premature exit option at all.
• Post Office Recurring Deposit (RD) 2026: Interest Rate, Rules & How Maturity Is Calculated — Post Office RD pays 6.7% for Jul-Sep 2026, unchanged for nine straight quarters — but unlike its 5-year Time Deposit sibling, it gets zero Section 80C benefit. Miss four instalments and the account gets discontinued outright.
• Post Office Savings Account 2026: Interest Rate, Rules, and the Tax Break Most People Miss — The Post Office Savings Account is India's oldest deposit product, still paying 4% while banks chase you with promotional rates — but its real edge isn't the interest rate at all. A separate tax exemption, stacked on top of the usual savings-account deduction, quietly shelters more of its interest than most taxpayers realise, in both tax regimes.
• PPF for NRIs in 2026: Why Thousands of Accounts Now Earn 4% — or Nothing — An NRI who opened a PPF account while still resident in India was, for decades, allowed to keep extending it in 5-year blocks after maturity — earning the full PPF rate the entire time. A Ministry of Finance rule effective October 1, 2024 shut that down, and retroactively cut the interest on extended accounts to the savings-account rate, then to zero. Here's exactly who is affected and what to do about it.
• PPF Interest Calculation 2026: Why the 5th of the Month Rule Can Cost You Thousands — PPF interest is calculated on the lowest balance between the 5th and last day of every month — not on what you deposit or when. Miss the 5th with a lump-sum deposit and you lose a full month of interest on it, a mistake that compounds into a meaningfully smaller corpus by the time your account matures.
• PPF Account Extension Rules 2026: How the 5-Year Block Extension Works — With or Without Contribution — PPF's 15-year term rarely actually ends there — most accounts simply roll into 5-year extension blocks instead. But the two ways to extend work completely differently, and missing one form within a year of maturity can quietly cut off deposits for the next five years.
• Post Office Scheme Death Claim Rules 2026: How Heirs Claim PPF, Sukanya Samriddhi, NSC, and KVP — A PPF or Sukanya Samriddhi balance doesn't pass to the family automatically when the holder dies — it has to be formally claimed, and the process looks different for each post office scheme. Skipping nomination at account opening is the single most common reason a straightforward claim turns into a months-long paperwork chase.
• India Post Payments Bank (IPPB) 2026: Interest Rate, the ₹2 Lakh Cap, and How It Differs From a Post Office Savings Account — IPPB and the Post Office Savings Account are two different products run out of the same post office counter, and most people never learn which one they actually opened. IPPB pays a lower rate and caps your balance at ₹2 lakh by law — but doorstep cash withdrawal by biometric postman is the one feature no bank savings account offers.
• Can NRIs Invest in SCSS, PPF, or NSC in 2026? The Rules Nobody Explains Clearly — Every small savings scheme in India assumes the investor lives here — and the moment your residential status changes, three of the most popular ones react in three completely different ways. SCSS shuts the door outright. PPF lets you keep an old account limping along under strict conditions. NSC lets you hold what you already bought but never add another rupee. Here's which rule applies to which scheme, and what to actually do with money already locked in.
• Can an HUF Open a PPF Account? The 2005 Rule Depositors Still Get Wrong in 2026 — Bank staff and post office clerks still occasionally let a family try to open a PPF account in the name of their HUF — a request the rules have blocked since 2005. Here's what actually happened to accounts opened before that date, and how an HUF can still claim an 80C deduction through PPF without holding an account of its own.
• PPF Account for Minors 2026: Guardian Rules, the Shared ₹1.5 Lakh Limit, and What Happens at 18 — A parent can open a PPF account for a child of any age — but the ₹1.5 lakh annual limit isn't a fresh allowance for the child. It's shared with the guardian's own PPF account, and depositing beyond it in either account earns zero interest on the excess.