POSB Small Saving Interest Rates (Jan–March 2025) for the year 2025 in PDF.
The Ministry of Finance has announced the updated Post Office Small Saving Interest Rates for the first quarter of 2025, effective from 1st January 2025 to 31st March 2025. These schemes continue to provide secure and attractive investment opportunities for individuals seeking consistent returns.
Post office Term Deposit Rates and Schemes 2025
|
Scheme |
Term |
Rate of Interest |
Deposit Amount (₹) |
Interest Frequency |
Total Deposit (₹) |
Total Interest (₹) |
Total Principal + Interest (₹) |
|
RD |
5 |
6.7% QCI |
1,000 Monthly
(60) |
On
Maturity(1) |
60,000 |
11,366 |
71,366 |
|
MIS |
5 |
7.4% SI |
1,00,000
(Monthly) |
Monthly
(60) |
1,00,000 |
37,020 |
1,37,020 |
|
1-Year Time Deposit |
1 |
6.9%
QCI |
1,00,000
(One Time) |
Yearly(1) |
1,00,000 |
7081 |
1,07,081 |
|
2-Year Time Deposit |
2 |
7.0% QCI |
1,00,000
(One Time) |
Yearly(2) |
1,00,000 |
14,372 |
1,14,372 |
|
3-Year Time Deposit |
3 |
7.1% QCI |
1,00,000
(One Time) |
Yearly(3) |
1,00,000 |
21,873 |
1,21,873 |
|
5-Year Time Deposit |
5 |
7.5% QCI |
1,00,000
(One Time) |
Yearly(5) |
1,00,000 |
38,570 |
1,38,570 |
|
NSC |
5 |
7.7% YCI |
1,00,000
(One Time) |
On
Maturity(1) |
1,00,000 |
44,903 |
144903 |
|
KVP |
9Yr 7Mn
(115 Months ) |
7.5%
YCI |
1,00,000
(One Time) |
On
Maturity(1) |
1,00,000 |
1,00,000 |
2,00,000 |
|
Senior Citizen Scheme |
5 |
8.2% SI |
1,00,000
(One Time) |
On
Maturity |
1,00,000 |
41000 |
1,41,000 |
|
Public Provident Fund |
|
7.1% SI |
Public
Provident Fund |
1,00,000 |
|||
|
MSSC |
2 |
7.5%
QCI |
1,00,000
(One Time) |
On
Maturity(1) |
1,00,000 |
16,022 |
1,16,022 |
Special Schemes Overview
- Kisan
Vikas Patra (KVP): Doubles the investment amount in 115
months.
- Sukanya
Samriddhi Yojana (SSY): Provides long-term savings benefits for the
girl child with an interest rate of 8.2%.
- Monthly
Income Scheme (MIS): A safe investment plan offering regular
monthly interest payouts.
Key Highlights:
- Savings
Account Interest Rate: 4.0%
- Highest
Interest Rate:
Senior Citizen Savings Scheme and Sukanya Samriddhi Yojana at 8.2%.
- Public
Provident Fund (PPF): Flexible yearly deposits with tax benefits.
These schemes not only ensure financial security but also align with long-term investment goals. Investors are encouraged to review these options and plan their finances effectively for 2025.
Source: Ministry of Finance
Stay informed and make wise investment choices to
secure your future!
