Showing 22 of 22 Plans
1. Post Office Small Savings Schemes (POSB)
Sovereign government small savings accounts with guaranteed quarterly yields and tax benefits.
2. Postal Life Insurance (PLI)
Highest bonus life insurance policies for Central/State Govt, PSU, Armed Forces, Defense & Professionals.
3. Rural Postal Life Insurance (RPLI)
Affordable, high-bonus life insurance policies tailored for all residents of Rural India.
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Schemes Knowledge Base
Sovereign Central Govt Guarantee
Frequently Asked Questions (POSB, PLI & RPLI)
Sukanya Samriddhi Account (SSY) and Senior Citizen Savings Scheme (SCSS) offer the highest guaranteed interest return at 8.2% per annum. Other high-yielding sovereign plans include National Savings Certificate (7.7% p.a.), Kisan Vikas Patra (7.5% p.a.), and Public Provident Fund (7.1% p.a. tax-free EEE).
PLI is tailored for Government, PSU, defense, educational, and corporate professionals, offering maximum Sum Assured up to ₹50,00,000 and high bonus rates (up to ₹76/₹1,000 SA). RPLI was formulated specifically for rural Indian residents, offering entry cover from ₹10,000 up to ₹10,00,000 with bonus rates up to ₹60/₹1,000 SA and minimal medical examination barriers.
Yes! All 10 Post Office Savings Bank schemes (Savings Account, 5-Yr Recurring Deposit, Time Deposits, Monthly Income Scheme, Senior Citizen Savings Scheme, PPF, Sukanya Samriddhi, NSC, KVP, and Mahila Samman) are open to all Indian citizens regardless of whether they work in the government, private sector, or are self-employed.
Yes, absolutely. Unlike commercial bank deposits which are insured only up to ₹5 Lakh under DICGC, all Post Office savings deposits are backed by the 100% Sovereign Guarantee of the Government of India under the Public Provident Fund Act and Government Savings Promotion Act, ensuring zero credit risk.
Deposits made in Public Provident Fund (PPF), Sukanya Samriddhi Account (SSY), 5-Year Time Deposit (TD), Senior Citizen Savings Scheme (SCSS), National Savings Certificate (NSC VIII Issue), and PLI/RPLI premium payments are eligible for tax deduction up to ₹1,50,000 per financial year under Section 80C of the Income Tax Act.