In the current time in the Indian post office, different types of schemes have been implemented for everyone from young children to elderly people and many citizens who have related information related to those schemes have also invested in the schemes of Indian post office, in the same way those who are thinking of investing in the present time can invest under the Indian Post Office schemes.
In this article, some schemes of the Indian Post Office will be mentioned in which good returns can be obtained by investing, as well as more amount can be obtained simultaneously, on the other hand, if Indian post office schemes are invested, then more benefits are also seen than other schemes because many such schemes are also going on in the Indian post office which is quite beneficial than other schemes.
Post Office Saving Schemes
In order to make the future financially secure, citizens definitely invest by selecting some kind of scheme in the present time. In such a situation, the citizens who are looking for a good scheme at low risk and want to invest in any scheme can invest in any of Public Provident Fund Scheme, Senior Citizen Savings Scheme, National Saving Certificate Scheme, Sukanya Samriddhi Yojana, Post Office Time Deposit, Post Monthly Income Scheme etc.
Sukanya Samriddhi Yojana
Sukanya Samriddhi Yojana is a scheme to be launched for girls and only girls are provided the benefit of this scheme under this scheme. In this scheme, parents or legal parents can open their girl’s account and invest from a minimum of Rs 250 to a maximum of Rs 1.5 lakh per year. And you can get interest on the investment amount at 8.2% annual interest rate.
Public provident fund
The Public Provident Fund Scheme is a great scheme for people thinking of investing for a long time. Investing in this, interest is received according to the interest rate of up to 7.1%, as well as tax exemption under Section 80 of the Income Tax Act can be seen in this scheme for up to 15 years and if you want to invest for more time, then time can be extended for 5-5 years.
Senior Citizen Saving Scheme
This scheme is a special scheme to be run by the government for senior citizens. In this, more than 30 lakh rupees can be invested in this scheme can be easily opened by going to the nearest post office or bank. Any Indian citizens over 60 years of age can start investing by opening an account under this scheme.
Post office time deposit
This scheme is such a scheme in which a minimum of ₹ 1000 can be invested and how long it has to be invested at your own will be selected. Citizens can also invest in it for 1 year 2 years 3 years 5 years. Interest is provided by applying the interest rate separately according to all years. If a citizen invests for up to 5 years, then interest is charged according to the interest rate of 7.5%.
Post Office Monthly Income Scheme
For investors who think of investing by fixing a fixed amount every month, the post office monthly income scheme has been run by the post office. It can be invested ranging from ₹ 1000 to 9 lakh rupees. On the other hand, if a joint account is opened, then you can invest a maximum of up to Rs 18 lakh. In this scheme, interest is deposited in the bank account every month, so that the interest amount can be used immediately.
National saving certificate
The name of the next scheme of the post office is National Saving Certificate, in which many citizens of different cities and villages of the country have invested in this scheme, interest rate of up to 7.7% is provided interest. And the minimum investment amount in it is ₹ 1000, you can invest any amount in the maximum amount. Many benefits are also seen by citizens under this scheme, in such a situation, while choosing the investment scheme, think about this scheme once.
Farmer development letter
In the Kisan Vikas Patra scheme, the money of investors doubles in 115 months. In this scheme, a minimum of ₹ 1000 can be invested and in the same maximum, you can invest any amount according to your wish. Interest in the farmer development letter is available on the basis of Chakravarti, which gives more interest. In this scheme can be invested in any nearest post office.
Post office recurring deposit
If some amount is received every month and to invest that amount, then the post office recording deposit scheme is the best scheme for such citizens. It can be invested by selecting a minimum of ₹ 100 per month and invests for 5 years. Interest is received according to the interest rate of 6.7 on the amount deposited. This is a good plan for small investors.
Post Office Saving Account
In the post office, citizens can also open their savings account and open the account and deposit the amount of amount in the account, the same is provided interest on the deposit of up to 4% on the deposit amount. This account, which opens in the post office can prove to be a great account for people who think of savings.
