Post Office Saving Schemes are considered one of the safest and trusted investment options in India. These schemes are supported by the government and are suitable for risk-averse investors. In 2025, some post office schemes are proving to be more beneficial. In this article, we will discuss the top 3 schemes of the post office which are giving the most benefits this year.
Overview of post office schemes
| Scheme name | Main characteristics |
| Post Office Monthly Income Scheme (Pomis) | Provides monthly income, interest rate 7.4% |
| Senior Citizen Savings Scheme (SCSS) | For senior citizens, interest rate 8.2% |
| Public Provident Fund (PPF) | Long -term investment, interest rate 7.1% |
Post Office Monthly Income Scheme (Pomis)
Post Office Monthly Income Scheme (POMIS) is a scheme that provides monthly income to investors. This scheme is ideal for those who want regular income.
Main characteristics:
- Interest Rate: 7.4% per year.
- input range:
- Single account: up to ₹ 9 lakh.
- Joint account: up to ₹ 15 lakh.
- Terror: Maximum 5 years.
- Tax Benefit: No tax benefit is received on this scheme.
Benefit:
- Reliable source of monthly income.
- Risk-free investment option.
- Government -supported scheme.
Senior Citizen Savings Scheme (SCSS)
The Senior Citizen Savings Scheme (SCSS) is specially designed for senior citizens. The scheme provides high interest rates and regular income.
Main characteristics:
- Interest Rate: 8.2% per year.
- input range:
- Minimum ₹ 1,000.
- Maximum ₹ 30 lakh.
- Terror: 5 years, which can be extended for 3 years.
- Tax Benefit: Tax exemption under section 80C on an amount of ₹ 1.5 lakh.
Benefit:
- Secure investment with high interest rate.
- Source of regular income.
- Simple process and government support.
Public Provident Fund (PPF)
Public Provident Fund (PPF) is a long -term savings scheme that provides tax free returns. This scheme is suitable for those who want to save for the future.
Main characteristics:
- Interest Rate: 7.1% per year.
- input range:
- Minimum ₹ 500 per year.
- Maximum ₹ 1.5 lakh per year.
- Terror: 15 years, which can be extended for 5 years.
- Tax Benefit: Deposit amount, interest and maturity amounts are all tax free.
Benefit:
- Long -term safe investment.
- Tax free returns.
- Government -supported scheme.
Comparison Table: Which scheme is better?
| Scheme name | Interest rate (%) | Tenure (year) | Tax benefit |
| Post Office Monthly Income Scheme | 7.4 | 5 | No |
| Senior Citizen Savings Scheme | 8.2 | 5 (+3 Extension) | Yes (section 80C) |
| Public Provident Fund | 7.1 | 15 (+5 Extension) | Yes (fully tax free) |
Which scheme benefits the most in which scheme?
In 2025, the most benefits of these three schemes are found in Senior Citizen Savings Scheme (SCSS). Its high interest rate and tax benefit make it better than other schemes. However, PPF may be ideal for you if you want a long -term safe investment. At the same time, Pomis is a good option for monthly income.
Disclaimer:
This article is written only for the purpose of giving information. Before investing in any scheme, read its terms and rules carefully. Schemes like SCSS and PPF are supported by the government and are completely real.
