Investment: Which Post Office scheme will give you the most benefit? If you are planning an investment then check the interest rates..

Post Office Investment: The government revises the interest in post office schemes every three months. For the second quarter (July to September) of the financial year 2024-25, the government did not make any change in the interest rates of any post office scheme. In such a situation, now people are waiting for October. On October 1, once again the government will revise the interest rates of the scheme. In such a situation, new interest rates can apply to Small Savings Schemes.

People are waiting for PPF because the government has not changed their interest in PPF for a long time. Now investors are waiting for the increased interest rates in this scheme. Let us tell you how much interest is being given to which scheme of post office at present. If you want to invest in a post office scheme in September, then in which scheme you can get the most benefit?

Interest rates of post office schemes
Post Office Savings Account- 4%
1 Year Time Deposit- 6.9%
2 Year Time Deposit- 7.0%
3 Year Time Deposit- 7.1%
5 Year Time Deposit- 7.5%
5-Year Recurring Deposit Account- 6.7%
Senior Citizen Savings Scheme- 8.2%
Monthly Income Scheme- 7​.4%
Public Provident Fund Scheme- 7.1%
Sukanya Samriddhi Account- 8.2​​​%
National Savings Certificates- 7.7%
Kisan Vikas Patra- 7.5%
Mahila Samman Savings Certificate- 7.5%
These options will be available only in the post office
Out of all these schemes, you will get options for some in banks also, while some schemes can be opened only in the post office. National Savings Certificates, Mahila Samman Savings Certificate, and Monthly Income Scheme are such schemes in which you will have to go to the post office to invest.

Both NSC and MSSC are fixed deposits. Any Indian citizen can invest in NSC for 5 years. This scheme is also included in the portfolio of Prime Minister Narendra Modi himself. MSSC is run to encourage women's savings. In this scheme, money has to be deposited for two years. Former Union Minister Smriti Irani has also invested in this scheme.

On the other hand, the MIS scheme is a scheme that provides regular income every month. In this scheme, a maximum of 9 lakhs can be deposited on a single account and a maximum of 15 lakh rupees on a joint account. This amount is deposited for 5 years. Money is given on this at the rate of 7.4%.

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