Savings certificates, deposits and pensions offered through post offices and government bodies. Tenures are usually fixed, the rate is notified by the government and revised every quarter, and early exit is often restricted.
Government of India — small savings scheme
A certificate that doubles your money over 115 months at the notified rate, with no tax deduction attached.
7.50%Interest rate · as of 1 Oct 2026
Government of India — small savings scheme
A five-year certificate that compounds interest annually and pays the whole amount at maturity.
7.70%Interest rate · as of 1 Oct 2026
Government of India — small savings scheme
A five-year deposit that pays a fixed amount into your account every month and returns the principal at the end.
7.40%Interest rate · as of 1 Oct 2026
Government of India — Post Office Savings Bank
An ordinary savings account at the post office — everyday access, with a rate that is notified each quarter rather than fixed.
4.00%Interest rate · as of 1 Oct 2026
Government of India — small savings scheme
A three-year deposit with the post office at a notified rate, with a lower lock-in than the five-year version.
7.10%Interest rate · as of 1 Oct 2026
Government of India — small savings scheme
A five-year deposit, like a bank fixed deposit but with the post office, paying a notified rate and qualifying for a tax deduction.
7.50%Interest rate · as of 1 Oct 2026
Government of India — small savings scheme
A 15-year account where the government pays a notified rate, revised every quarter, and the maturity amount is tax-free.
7.10%Interest rate · as of 1 Oct 2026
Government of India — small savings scheme
A five-year deposit for people aged 60 and above that pays interest every quarter.
8.20%Interest rate · as of 1 Oct 2026
Government of India — small savings scheme
A long-term account opened for a girl child, funded for 15 years and maturing 21 years after opening.
8.20%Interest rate · as of 1 Oct 2026