Post Office Schemes Comparison & Interest Rates
Side-by-side comparison across all sovereign small savings schemes offered by the Department of Posts: Sukanya Samriddhi (8.2%), SCSS (8.2%), NSC (7.7%), KVP (7.5%), POMIS (7.4%), PPF (7.1%), and Time Deposits.
On a ₹5,00,000 investment across Post Office schemes, Sukanya Samriddhi offers the highest sovereign rate at 8.2%, while Post Office MIS generates the highest regular income at ₹3,083 per month.
Post Office Small Savings Schemes Comparison
Compare sovereign interest rates, statutory deposit limits, payout structures, and tax treatment across all Indian Post Office schemes.
Enter your intended investment to see exact returns across all schemes.
Highest Sovereign Rate
8.2% p.a.
Sukanya Samriddhi (Sovereign Guaranteed)
Top Monthly Income Scheme
₹3,083
Post Office MIS (7.4% p.a.)
Top Tax-Free Scheme (EEE)
8.2% p.a.
Sukanya Samriddhi (Zero Tax on Deposit, Interest & Maturity)
Money Doubling Horizon
115 Months
Kisan Vikas Patra (KVP) doubles 100% of capital
Sukanya Samriddhi Account (SSY)
8.2%Highest sovereign small savings rate for girl children up to age 10 with 100% EEE tax-free status.
Senior Citizen Savings Scheme (SCSS)
8.2%Guaranteed quarterly retirement income for citizens aged 60+ with ₹30 Lakhs deposit ceiling.
National Savings Certificate (NSC VIII Issue)
7.7%5-year certificate with annual compounding and Section 80C reinvestment tax deduction.
Kisan Vikas Patra (KVP)
7.5%Sovereign guaranteed scheme that doubles your money in exactly 115 months.
Post Office Monthly Income Scheme (POMIS)
7.4%Guaranteed monthly income credited directly to your savings account.
Public Provident Fund (PPF)
7.1%15-year statutory retirement and wealth accumulation tool with EEE tax exemption.
Post Office 5-Year Time Deposit (POTD)
7.5%5-year fixed deposit offering annual interest payouts and Section 80C tax deduction.
Top Post Office Scheme for ₹5,00,000
Sukanya Samriddhi (8.2%)
- What it is:
- A comparative analytics matrix covering all sovereign small savings schemes offered by the Department of Posts.
- What it calculates:
- Effective returns, monthly/quarterly cash flows, maturity values, and tax efficiencies across all schemes.
Key Assumptions
- Government of India notified rates for the current effective period.
- Statutory deposit limits enforced (e.g. PPF ₹1.5L, POMIS ₹9L, SCSS ₹30L).
- Sovereign guarantee backing 100% of capital and interest.
How it works
Small savings schemes are sovereign financial instruments administered by the Department of Posts and the Ministry of Finance.
Quarterly Notifications: Interest rates are reviewed and notified quarterly by the Department of Economic Affairs, Ministry of Finance.
Payout Varieties: Schemes cater to different liquidity needs: POMIS pays monthly income, SCSS pays quarterly income, POTD pays annual interest, while NSC, KVP, SSY, and PPF compound capital to maturity.
Taxation Categories: Schemes range from 100% tax-free EEE status (PPF, SSY), Section 80C deduction on deposit (NSC, SCSS, 5Y TD), to regular taxable income (POMIS, KVP).
Formula
Comparative Return = Effective Principal x Applicable Sovereign Formula (Monthly / Quarterly / Annual / Maturity)
- Sovereign Guarantee
- = Backed 100% by the Consolidated Fund of India with zero credit risk
- EEE
- = Exempt-Exempt-Exempt: Deposit, Interest, and Maturity are all 100% tax-free
- Section 80C
- = Up to ₹1,50,000 tax deduction available under the Old Tax Regime
Rates reflect the latest Ministry of Finance quarterly notification.
Example calculation
₹5,00,000 Investment Across Post Office Schemes
- Planned Investment Capital
- ₹5,00,000
- Highest Interest Scheme
- Sukanya Samriddhi (8.2%)
- Top Monthly Income
- Post Office MIS (₹3,083/mo)
- Top 100% Tax-Free (EEE)
- Sukanya Samriddhi (8.2%)
- Capital Doubling Scheme
- Kisan Vikas Patra (KVP in 115 months)
Frequently asked questions
Which post office scheme offers the highest interest rate?
Which post office schemes are 100% tax-free (EEE)?
Can I open post office schemes online?
Are post office deposits safer than commercial bank fixed deposits?
Related calculators
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Further reading
Calculate income tax on a ₹5 Lakh salary for AY 2026-27. Understand why both New and Old Tax Regimes result in ₹0 net tax thanks to Section 87A rebate.
Calculate income tax on a ₹10 Lakh salary in India for AY 2026-27. Compare New vs Old Regime, standard deduction, and see which option saves you more money.
Calculate tax on a ₹15 Lakh salary under New and Old Tax Regimes for AY 2026-27. Learn the exact breakeven deduction threshold and monthly take-home.
Calculate income tax on a ₹20 Lakh salary in India for AY 2026-27. Compare New vs Old Regime, calculate exact TDS, and learn how to optimize corporate NPS under Sec 80CCD(2).
Reviewed by Pradipta Ray, Editor · Updated