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Why to Invest At Post Office


Post offices not only for postal services but also provide several deposit schemes of financial services and small investments to depositors who do not have access to banks. Postal Savings have been typically regarded as a safe, convenient & widely available method to save money and promote savings among the middle and lower middle class sections of society. Contact TIIAS for more information and take a proper scheme for you. 


Post offices offer various savings and investment products on their own or on behalf of the government of India. The most prevalent Post Office Savings Schemes at present are:

  • Post Office Savings Account
  • Recurring Deposits (RDs)/Term Deposits (TDs)
  • Post Office Monthly Income Scheme (POMIS)
  • National Savings Certificates (NSCs)
  • Kisan Vikas Patra (KVP)
  • Senior Citizens Savings Scheme (SCSS)


In addition to is, Indian post office  act as nodal points to invest and transact in your Provident Fund Account and newly launched “Sukanya Samriddhi” Account.

This post office monthly savings scheme is a reliable savings instrument that allows investors to generate a steady monthly income.

With Post office small savings scheme you can invest in NSC with a small deposit amount of Rs. 100 as a single individual, jointly or as a guardian of a minor. The lock-in period for this scheme is 5 years. The annual interest on NSCs is re-invested and paid out as an accumulated amount at the time of maturity.

Public Provident Fund is a tax-free savings scheme offered by the Government of India. Interest on the account is set for every quarter and is paid by the government. PPF is one of the preferable schemes and is available with a lock-in period of 15 years. A minimum deposit is required yearly and to keep the account active.

POTD is another well known investment schemes offered by the India Post. This is particularly popular in rural and remote areas of the country that are relatively under-banked and have limited access to investment products. Anyone can open time deposits as a post office saving scheme for 1, 2, 3 and 5 years of tenure.

This scheme is for investors who are 60 years old, or 55 years old in case of voluntary retirement, can deposit over their lifetime in a Senior Citizen Savings Scheme to earn regular interest income. The plan also comes with a lock-in period of 5 years.

Anybody can open a savings account with the post office, which is similar to savings accounts opened with banks, by depositing a minimum amount. Also, you required to maintain the account with a minimum balance. India Post also allows you to transfer money in your post office savings account online.

KVP certificates allow you to earn double the deposit amount in approximately 10 years. Also, the deposit can be encased only after 2.5 years against the payment of a nominal penalty. Its primary objective is to encourage long-term financial discipline in people

For Retirement Planning, National Pension Scheme (NPS) is one of the best investments by India Post. With a small but regular saving through National Pension Scheme (NPS), you can build a good retirement fund for you. On top of that the money that you invest in NPS, brings your tax saving benefits too. So now combine the power of Savings, Tax Benefits, Compounding, Retirement Fund, Pension and a lot more with a single investment in NPS.

Parents or legal guardians can take this plan for their girl child up to 10 years of age. Once the child reaches 21 years of age, she is eligible to claim the maturity amount. Maturity of the account also differs as per the girl child’s age on the date of enrolment. Thus, with a limit of up to 10 years of age, the maturity term will be accordingly extended from 21 years of age.

Small Savings Schemes