investment

Post Office Savings Schemes: Complete Guide 2025-26

Compare Post Office Monthly Income Scheme, Fixed Deposit, and other savings schemes with tax benefits.

GetYourCA Team
10 January 2026·Updated 10 January 20261 min read12.5K views

Post Office Savings Schemes#

  1. Public Provident Fund (PPF)

    • 15-year tenure
    • 8.2% interest (tax-free)
    • ₹1.5 lakh max/year
  2. Monthly Income Scheme (MIS)

    • 5-year tenure
    • 8.2% monthly interest
    • ₹4.5 lakh max (single)
  3. Fixed Deposit (FD)

    • 5-year lock-in
    • 8.5% for senior citizens

Tax Benefits#

  • PPF: Interest & maturity tax-free
  • NSC: Reinvested interest taxable
  • All qualify under 80C

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Disclaimer

We have taken utmost care to research and write this article for your information. However, tax laws are complex and subject to frequent changes. This article is for general guidance only and should not be considered professional advice. Individual circumstances vary significantly — what works for one person may not apply to another.

Before making any tax-related decisions, we strongly recommend consulting with a qualified Chartered Accountant or tax professional who can assess your specific situation. We do not accept any liability for decisions made based on this information.

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