POST OFFICE SAVING SCHEMES

Post Office Saving Schemes!

தபால் நிலையத்தில் நடைமுறையில் உள்ள சேமிப்பு திட்டங்கள் , வட்டி விகிதம் , PO கால்குலேட்டர் ஆகிய பயனுள்ள தகவலை தொகுத்து வழங்கி உள்ளோம்.. இதனை உங்கள் நண்பர்களுக்கும் பகிர்ந்து உதவுங்கள்!!! 

India Post offers various saving schemes to help individuals save money and earn interest. Here are some popular Post Office saving schemes:

*1. Post Office Savings Account*

- Minimum deposit: ₹20

- Interest rate: 4% per annum

- Withdrawal: Anytime

*2. National Savings Certificate (NSC)*

- Minimum investment: ₹100

- Interest rate: 6.8% - 7.6% per annum

- Lock-in period: 5-10 years

- Tax benefit: Section 80C

*3. Public Provident Fund (PPF)*

- Minimum deposit: ₹500

- Maximum deposit: ₹1.5 lakh

- Interest rate: 7.1% per annum

- Lock-in period: 15 years

- Tax benefit: Section 80C

*4. Kisan Vikas Patra (KVP)*

- Minimum investment: ₹100

- Interest rate: 6.9% per annum

- Maturity period: 124 months

- Double your investment

*5. Sukanya Samriddhi Yojana (SSY)*

- Minimum deposit: ₹250

- Maximum deposit: ₹1.5 lakh

- Interest rate: 7.6% per annum

- Lock-in period: 21 years

- Tax benefit: Section 80C

- For girl child education and marriage

*6. Post Office Time Deposit (POTD)*

- Minimum deposit: ₹200

- Interest rate: 5.5% - 6.7% per annum

- Tenure: 1-5 years

*7. Post Office Recurring Deposit (PORD)*

- Minimum deposit: ₹10

- Interest rate: 5.8% per annum

- Tenure: 5 years

*8. Senior Citizen Savings Scheme (SCSS)*

- Minimum deposit: ₹1000

- Maximum deposit: ₹15 lakh

- Interest rate: 7.4% per annum

- Lock-in period: 5 years

- Tax benefit: Section 80C

- For seniors (60+ years)

*Benefits:*

1. Low risk investments

2. Guaranteed returns

3. Tax benefits

4. Easy accessibility

5. Government-backed security

*How to invest:*

1. Visit your nearest post office

2. Fill the application form

3. Deposit the minimum amount

4. Receive your passbook or certificate

*Documents required:*

1. ID proof (Aadhaar, PAN, etc.)

2. Address proof (Aadhaar, passport, etc.)

3. Age proof (birth certificate, etc.)

CLICK HERE POST OFFICE SAVING SCHEMES EXPLANATION IN TAMIL

CLICK HERE PO SCHEMES INTREST CALCULATOR