The Indian Post Office has long been a cornerstone of small savings and investment schemes and this offers various options that cater to diverse financial goals and risks. These savings schemes are recognised for their safety, and Government backing. As of 2025, the Post office continues to offer various savings schemes and each has unique features and benefits. This guide will tell you about Post Office Special Saving Scheme 2025, which includes Post Office SB, RD, TD, MIS, SCSS and more.
Post Office Special Saving Scheme 2025
The Indian Postal system is not only a communication network but also a trusted institution for savings and investment schemes. The Post Office Saving Schemes are designed keeping in mind the diverse savings accounts with easy access to funds to specialised schemes like Senior Citizen Saving Schemes, Sukanya Samriddhi Yojana and more. With the interest rates that are competitive among fixed income investments and flexible tenure options, the Post Office Special Saving Scheme 2025 remains an indispensable part of India’s financial landscape.
India Post Office Savings Schemes 2025- Highlights
| Post Title | Post Office Special Saving Scheme 2025 |
| Year | 2025 |
| Country Name | India |
| Scheme Name | Post Office Savings Schemes |
| Offered By | India Post |
| Interest Rates | 4.00% to 8.2% Per Annum |
| Compounding Frequency | Based on the Instrument But Generally Annually and Quarterly |
| Minimum Investment | As per type of the Instrument |
| Post Category | News |
| Official Web Page | www.indiapost.gov.in |
PO Savings Schemes 2025
Post Office Savings Account (SB):
- Who can Open: Any single person can open this account or any two adults can open this account as a Joint account. The Guardian as a representative of a person of unsound mind or a minor can open this. A minor who is over the age of 10 years can open this account in his own name.
| Deposit/Withdrawal | Minimum | Maximum |
| Deposit | Rs. 500 | No Limit |
| Withdrawal | Rs. 50 | Withdrawal cannot drop balance below Rs. 500 |
Note: If the account balance does not get over Rs. 500 at the financial year end, then Rs. 50 will be deducted from the account and if this account balance gets nil then the account will be automatically closed.
- Interest: 4.0% Per Annum on both individual and Joint Accounts
5- Year PO Recurring Deposit Account (RD):
- Who can Open: Any single person can open this account or any three adults can open this account as a Joint account. The Guardian as a representative of a person of unsound mind or a minor can open this. A minor who is over the age of 10 years can open this account in his own name.
- Deposits: The cash and cheque can be provided for deposits. An individual needs to deposit Rs. 100 monthly. Next deposits must be made up to the 15th of each month.
- Maturity: 5 years from opening date. Also account holders can extend for another 5 years by providing an application.
- Interest: 6.7% per annum but quarterly compounded.
Post Office TD Account:
- Who can Open: Any single person can open this account or any three adults can open this account as a Joint account. The Guardian as a representative of a person of unsound mind or a minor can open this. A minor who is over the age of 10 years can open this account in his own name.
| Deposits | Amount |
| Minimum | Rs. 1000 |
| Maximum | No Limit |
- Maturity: 5 years from opening date. Deposits are repayable after 1 year, 2 year, 3 year, 5 year.
- Interest: Interest is payable yearly but calculated quarterly.
| Period | Interest |
| 1 yr | 6.9% |
| 2 yr | 7.0% |
| 3 yr | 7.1% |
| 5 yr | 7.5% |
Post Office MIS Account:
- Who can Open: Any single person can open this account or any three adults can open this account as a Joint account. The Guardian as a representative of a person of unsound mind or a minor can open this. A minor who is over the age of 10 years can open this account in his own name.
| Deposits | Amount |
| Minimum | Rs. 1000 |
| Maximum | Rs. 9 Lakh in Single Account, Rs. 15 Lakh in Joint Account |
- Maturity: 5 years from opening date.
- Interest: 7.4% Per Annum but payable monthly.
National Savings Certificate:
- Who can Open: Any single person can open this account or any three adults can open this account as a Joint account. The Guardian as a representative of a person of unsound mind or a minor can open this. A minor who is over the age of 10 years can open this account in his own name.
| Deposits | Amount |
| Minimum | Rs. 1000 |
| Maximum | No Limit |
- Maturity: 5 years from opening date.
- Interest: 7.7% compounded annually but payable at maturity.
Important Links
| Savings Bank Application Form | Apply Here |
FAQ Related To Post Office Special Saving Scheme 2025
The PO Saving Schemes 2025 are Government backed and low risk savings options.
Yes, these schemes are fully Government guaranteed.
Yes, some schemes like POMIS and SCSS offer periodic payouts.
It Varies as Rs. 500 for PPF and Rs. 250 for SSA.