{"id":9749,"date":"2025-08-25T05:40:43","date_gmt":"2025-08-25T05:40:43","guid":{"rendered":"https:\/\/goldenpi.com\/blog\/?p=9749"},"modified":"2026-02-25T08:40:14","modified_gmt":"2026-02-25T08:40:14","slug":"post-office-investment-schemes-in-india","status":"publish","type":"post","link":"https:\/\/goldenpi.com\/blog\/post-office-fd-scheme\/post-office-investment-schemes-in-india\/","title":{"rendered":"Post Office Investment Schemes in India 2025"},"content":{"rendered":"<p><span style=\"font-weight: 400;\">The Post Office offers a variety of investment options that are commonly referred to as \u201cSmall or National savings schemes\u201d. These <\/span><span style=\"font-weight: 400;\">Post Office investment schemes<\/span><span style=\"font-weight: 400;\"> are managed by the National Savings Institute, which comes under the Ministry of Finance.\u00a0<\/span><\/p>\n<p><span style=\"font-weight: 400;\">All the <\/span><span style=\"font-weight: 400;\">fixed deposit schemes in the Post Office <\/span><span style=\"font-weight: 400;\">come with a sovereign guarantee. Your 100% deposit is fully secure and will be returned to you in case of default. This is a higher limit in comparison to banks, where only \u20b95 lakhs are insured by the Deposit Insurance and Credit Guarantee Corporation (DICGC).<\/span><\/p>\n<p><span style=\"font-weight: 400;\">Additionally, some of the <\/span><span style=\"font-weight: 400;\">Post Office investment schemes <\/span><span style=\"font-weight: 400;\">offer tax benefits under Section 80C of the Income Tax Act, and interest received is not subject to TDS deductions (although it is taxable).<\/span><\/p>\n<p><i><span style=\"font-weight: 400;\">Want to know more?<\/span><\/i> <span style=\"font-weight: 400;\">Keep reading to find out more about the various<\/span> <span style=\"font-weight: 400;\">Post Office schemes<\/span><span style=\"font-weight: 400;\"> you can consider in 2025.\u00a0<\/span><\/p>\n<div id=\"ez-toc-container\" class=\"ez-toc-v2_0_79_2 counter-hierarchy ez-toc-counter ez-toc-grey ez-toc-container-direction\">\n<div class=\"ez-toc-title-container\">\n<p class=\"ez-toc-title\" style=\"cursor:inherit\">Table of Contents<\/p>\n<span class=\"ez-toc-title-toggle\"><a href=\"#\" class=\"ez-toc-pull-right ez-toc-btn ez-toc-btn-xs ez-toc-btn-default ez-toc-toggle\" aria-label=\"Toggle Table of Content\"><span class=\"ez-toc-js-icon-con\"><span class=\"\"><span class=\"eztoc-hide\" style=\"display:none;\">Toggle<\/span><span class=\"ez-toc-icon-toggle-span\"><svg style=\"fill: #999;color:#999\" xmlns=\"http:\/\/www.w3.org\/2000\/svg\" class=\"list-377408\" width=\"20px\" height=\"20px\" viewBox=\"0 0 24 24\" fill=\"none\"><path d=\"M6 6H4v2h2V6zm14 0H8v2h12V6zM4 11h2v2H4v-2zm16 0H8v2h12v-2zM4 16h2v2H4v-2zm16 0H8v2h12v-2z\" fill=\"currentColor\"><\/path><\/svg><svg style=\"fill: #999;color:#999\" class=\"arrow-unsorted-368013\" xmlns=\"http:\/\/www.w3.org\/2000\/svg\" width=\"10px\" height=\"10px\" viewBox=\"0 0 24 24\" version=\"1.2\" baseProfile=\"tiny\"><path d=\"M18.2 9.3l-6.2-6.3-6.2 6.3c-.2.2-.3.4-.3.7s.1.5.3.7c.2.2.4.3.7.3h11c.3 0 .5-.1.7-.3.2-.2.3-.5.3-.7s-.1-.5-.3-.7zM5.8 14.7l6.2 6.3 6.2-6.3c.2-.2.3-.5.3-.7s-.1-.5-.3-.7c-.2-.2-.4-.3-.7-.3h-11c-.3 0-.5.1-.7.3-.2.2-.3.5-.3.7s.1.5.3.7z\"\/><\/svg><\/span><\/span><\/span><\/a><\/span><\/div>\n<nav><ul class='ez-toc-list ez-toc-list-level-1 ' ><li class='ez-toc-page-1 ez-toc-heading-level-2'><a class=\"ez-toc-link ez-toc-heading-1\" href=\"https:\/\/goldenpi.com\/blog\/post-office-fd-scheme\/post-office-investment-schemes-in-india\/#Post_Office_FD_Scheme_%E2%80%93_Time_Deposits\" >Post Office FD Scheme &#8211; Time Deposits<\/a><ul class='ez-toc-list-level-3' ><li class='ez-toc-heading-level-3'><a class=\"ez-toc-link ez-toc-heading-2\" href=\"https:\/\/goldenpi.com\/blog\/post-office-fd-scheme\/post-office-investment-schemes-in-india\/#Key_Features_of_National_Savings_Time_Deposits\" >Key Features of National Savings Time Deposits<\/a><\/li><\/ul><\/li><li class='ez-toc-page-1 ez-toc-heading-level-2'><a class=\"ez-toc-link ez-toc-heading-3\" href=\"https:\/\/goldenpi.com\/blog\/post-office-fd-scheme\/post-office-investment-schemes-in-india\/#Post_Office_Monthly_Income_Scheme_POMIS\" >Post Office Monthly Income Scheme (POMIS)\u00a0<\/a><ul class='ez-toc-list-level-3' ><li class='ez-toc-heading-level-3'><a class=\"ez-toc-link ez-toc-heading-4\" href=\"https:\/\/goldenpi.com\/blog\/post-office-fd-scheme\/post-office-investment-schemes-in-india\/#Key_features_of_POMIS\" >Key features of POMIS<\/a><\/li><\/ul><\/li><li class='ez-toc-page-1 ez-toc-heading-level-2'><a class=\"ez-toc-link ez-toc-heading-5\" href=\"https:\/\/goldenpi.com\/blog\/post-office-fd-scheme\/post-office-investment-schemes-in-india\/#Post_Office_Scheme_For_Senior_Citizens\" >Post Office Scheme For Senior Citizens<\/a><ul class='ez-toc-list-level-3' ><li class='ez-toc-heading-level-3'><a class=\"ez-toc-link ez-toc-heading-6\" href=\"https:\/\/goldenpi.com\/blog\/post-office-fd-scheme\/post-office-investment-schemes-in-india\/#Key_features_of_SCSS\" >Key features of SCSS<\/a><\/li><\/ul><\/li><li class='ez-toc-page-1 ez-toc-heading-level-2'><a class=\"ez-toc-link ez-toc-heading-7\" href=\"https:\/\/goldenpi.com\/blog\/post-office-fd-scheme\/post-office-investment-schemes-in-india\/#National_Savings_Certificate_VIII_Issue_NSC\" >National Savings Certificate (VIII Issue) (NSC)\u00a0<\/a><ul class='ez-toc-list-level-3' ><li class='ez-toc-heading-level-3'><a class=\"ez-toc-link ez-toc-heading-8\" href=\"https:\/\/goldenpi.com\/blog\/post-office-fd-scheme\/post-office-investment-schemes-in-india\/#Key_features_of_NSC\" >Key features of NSC<\/a><\/li><\/ul><\/li><li class='ez-toc-page-1 ez-toc-heading-level-2'><a class=\"ez-toc-link ez-toc-heading-9\" href=\"https:\/\/goldenpi.com\/blog\/post-office-fd-scheme\/post-office-investment-schemes-in-india\/#Mahila_Samman_Savings_Certificate_2023\" >Mahila Samman Savings Certificate, 2023<\/a><ul class='ez-toc-list-level-3' ><li class='ez-toc-heading-level-3'><a class=\"ez-toc-link ez-toc-heading-10\" href=\"https:\/\/goldenpi.com\/blog\/post-office-fd-scheme\/post-office-investment-schemes-in-india\/#Key_features_of_Mahila_Samman_Savings_Certificate_2023\" >Key features of Mahila Samman Savings Certificate, 2023<\/a><\/li><\/ul><\/li><li class='ez-toc-page-1 ez-toc-heading-level-2'><a class=\"ez-toc-link ez-toc-heading-11\" href=\"https:\/\/goldenpi.com\/blog\/post-office-fd-scheme\/post-office-investment-schemes-in-india\/#Invest_in_FDs_From_Your_Home_Via_the_GoldenPi_Platform\" >Invest in FDs From Your Home Via the GoldenPi Platform!<\/a><\/li><li class='ez-toc-page-1 ez-toc-heading-level-2'><a class=\"ez-toc-link ez-toc-heading-12\" href=\"https:\/\/goldenpi.com\/blog\/post-office-fd-scheme\/post-office-investment-schemes-in-india\/#Post_Office_FD_Scheme_FAQs\" >Post Office FD Scheme FAQs<\/a><\/li><\/ul><\/nav><\/div>\n<h2><span class=\"ez-toc-section\" id=\"Post_Office_FD_Scheme_%E2%80%93_Time_Deposits\"><\/span><span style=\"font-weight: 400;\">Post Office FD Scheme<\/span><span style=\"font-weight: 400;\"> &#8211; Time Deposits<\/span><span class=\"ez-toc-section-end\"><\/span><\/h2>\n<p><span style=\"font-weight: 400;\">The Post Office offers National Savings Time Deposit (TD), which is a fixed deposit scheme. In it, you invest a lump sum for a fixed period and earn interest at a predetermined rate. The FD rates are reviewed every quarter by the Government of India (GoI).\u00a0<\/span><\/p>\n<p><span style=\"font-weight: 400;\">As of August 14, 2025, you can earn a maximum of 7.50% p.a. from a time deposit of 5 years. Let\u2019s check out the latest <\/span><a href=\"https:\/\/goldenpi.com\/blog\/post-office-fd-scheme\/post-office-fd-interest-rates-2025\/\"><span style=\"font-weight: 400;\">interest rates<\/span><\/a><span style=\"font-weight: 400;\"> below:<\/span><\/p>\n<div class=\"pcrstb-wrap\"><table>\n<thead>\n<tr>\n<th><span style=\"font-weight: 400;\">Tenure<\/span><\/th>\n<th><span style=\"font-weight: 400;\">Interest Rate<\/span><\/th>\n<\/tr>\n<\/thead>\n<tbody>\n<tr>\n<td><span style=\"font-weight: 400;\">1 year<\/span><\/td>\n<td><span style=\"font-weight: 400;\">6.90%<\/span><\/td>\n<\/tr>\n<tr>\n<td><span style=\"font-weight: 400;\">2 years<\/span><\/td>\n<td><span style=\"font-weight: 400;\">7.00%<\/span><\/td>\n<\/tr>\n<tr>\n<td><span style=\"font-weight: 400;\">3 years<\/span><\/td>\n<td><span style=\"font-weight: 400;\">7.10%<\/span><\/td>\n<\/tr>\n<tr>\n<td><span style=\"font-weight: 400;\">5 years<\/span><\/td>\n<td><span style=\"font-weight: 400;\">7.50%<\/span><\/td>\n<\/tr>\n<\/tbody>\n<\/table><\/div>\n<p><i><span style=\"font-weight: 400;\">Note: The above interest rates are valid as of August 14, 2025. Interest rates are subject to change. Please refer to the latest interest rates before investing.<\/span><\/i><\/p>\n<h3><span class=\"ez-toc-section\" id=\"Key_Features_of_National_Savings_Time_Deposits\"><\/span><span style=\"font-weight: 400;\">Key Features of National Savings Time Deposits<\/span><span class=\"ez-toc-section-end\"><\/span><\/h3>\n<p><span style=\"font-weight: 400;\">The minimum deposit is \u20b91,000, and there is no maximum limit for this <\/span><span style=\"font-weight: 400;\">Post Office investment scheme<\/span><span style=\"font-weight: 400;\">. You can even open multiple TD accounts. Here are some other key <\/span><span style=\"font-weight: 400;\">Post Office FD scheme details<\/span><span style=\"font-weight: 400;\"> you should know:<\/span><\/p>\n<ul>\n<li style=\"font-weight: 400;\" aria-level=\"1\"><span style=\"font-weight: 400;\">The investment under a 5-year TD qualifies for the benefit of section 80C of the Income Tax Act, 1961. 100% of the amount invested in this scheme can be claimed as a deduction up to \u20b91.5 lakhs.<\/span><\/li>\n<li style=\"font-weight: 400;\" aria-level=\"1\"><span style=\"font-weight: 400;\">Interest is compounded quarterly and payable annually.<\/span><\/li>\n<li style=\"font-weight: 400;\" aria-level=\"1\"><span style=\"font-weight: 400;\">No withdrawal is allowed before 6 months.\u00a0<\/span><\/li>\n<li style=\"font-weight: 400;\" aria-level=\"1\"><span style=\"font-weight: 400;\">For closures between 6 months and 1 year, only savings account interest is paid.<\/span><\/li>\n<li style=\"font-weight: 400;\" aria-level=\"1\"><span style=\"font-weight: 400;\">After 1 year, the interest is reduced by 2% from the applicable TD rate.\u00a0<\/span><\/li>\n<li style=\"font-weight: 400;\" aria-level=\"1\"><span style=\"font-weight: 400;\">A 5-year TD can be closed only after 4 years, and you earn only savings account interest. Excess interest already paid is deducted.<\/span><\/li>\n<\/ul>\n<h2><span class=\"ez-toc-section\" id=\"Post_Office_Monthly_Income_Scheme_POMIS\"><\/span><span style=\"font-weight: 400;\">Post Office Monthly Income Scheme (POMIS)\u00a0<\/span><span class=\"ez-toc-section-end\"><\/span><\/h2>\n<p><span style=\"font-weight: 400;\">The Post Office Monthly Income Scheme (POMIS) is another <\/span><span style=\"font-weight: 400;\">Indian Post Office scheme<\/span><span style=\"font-weight: 400;\"> that gives you a fixed <\/span><a href=\"https:\/\/goldenpi.com\/blog\/fixed-income\/5-monthly-income-schemes-in-india\/\"><span style=\"font-weight: 400;\">monthly income<\/span><\/a><span style=\"font-weight: 400;\"> from a one-time lump sum deposit. Any Indian resident can open an account, either individually or jointly, and the minimum deposit is \u20b91,000.\u00a0<\/span><\/p>\n<div class=\"pcrstb-wrap\"><table>\n<thead>\n<tr>\n<th><span style=\"font-weight: 400;\">Interest Rate<\/span><\/th>\n<th><span style=\"font-weight: 400;\">Interest Frequency<\/span><\/th>\n<th><span style=\"font-weight: 400;\">Tenure<\/span><\/th>\n<\/tr>\n<\/thead>\n<tbody>\n<tr>\n<td><span style=\"font-weight: 400;\">7.40% p.a.<\/span><\/td>\n<td><span style=\"font-weight: 400;\">Monthly<\/span><\/td>\n<td><span style=\"font-weight: 400;\">5 years<\/span><\/td>\n<\/tr>\n<\/tbody>\n<\/table><\/div>\n<p><i><span style=\"font-weight: 400;\">Note: The above interest rate is valid as of August 14, 2025.\u00a0 Interest rates are subject to change. Please refer to the latest interest rates before investing.<\/span><\/i><\/p>\n<h3><span class=\"ez-toc-section\" id=\"Key_features_of_POMIS\"><\/span><span style=\"font-weight: 400;\">Key features of POMIS<\/span><span class=\"ez-toc-section-end\"><\/span><\/h3>\n<ul>\n<li style=\"font-weight: 400;\" aria-level=\"1\"><span style=\"font-weight: 400;\">In a single account, you can invest up to \u20b99 lakh.\u00a0<\/span><\/li>\n<li style=\"font-weight: 400;\" aria-level=\"1\"><span style=\"font-weight: 400;\">Whereas, in a joint account, the limit is \u20b915 lakh in total, and all holders have equal ownership.<\/span><\/li>\n<li style=\"font-weight: 400;\" aria-level=\"1\"><span style=\"font-weight: 400;\">You can open more than one account, but the combined total across all your accounts cannot exceed \u20b99 lakh (for a single holder) and \u20b915 lakh (for joint holders).<\/span><\/li>\n<li style=\"font-weight: 400;\" aria-level=\"1\"><span style=\"font-weight: 400;\">You can close the account only after 1 year.\u00a0<\/span><\/li>\n<li style=\"font-weight: 400;\" aria-level=\"1\"><span style=\"font-weight: 400;\">If you withdraw:<\/span>\n<ul>\n<li style=\"font-weight: 400;\" aria-level=\"2\"><span style=\"font-weight: 400;\">Between 1 to 3 years, there is a 2% penalty on the deposit amount.\u00a0<\/span><\/li>\n<li style=\"font-weight: 400;\" aria-level=\"2\"><span style=\"font-weight: 400;\">After 3 years but before maturity, the penalty is 1%.<\/span><\/li>\n<\/ul>\n<\/li>\n<li style=\"font-weight: 400;\" aria-level=\"1\"><span style=\"font-weight: 400;\">You can move your account from one post office to another anywhere in India.<\/span><\/li>\n<\/ul>\n<h2><span class=\"ez-toc-section\" id=\"Post_Office_Scheme_For_Senior_Citizens\"><\/span><span style=\"font-weight: 400;\">Post Office Scheme For Senior Citizens<\/span><span class=\"ez-toc-section-end\"><\/span><\/h2>\n<p><span style=\"font-weight: 400;\">The Senior Citizen\u2019s Savings Scheme (SCSS) is a government-backed deposit scheme offered via post offices. The minimum entry age in this scheme is 60 years for regular applicants. However, retired defence employees can apply from age 50, and individuals who have taken voluntary retirement after age 55 can apply within one month of receiving their retirement benefits.\u00a0<\/span><\/p>\n<div class=\"pcrstb-wrap\"><table>\n<thead>\n<tr>\n<th><span style=\"font-weight: 400;\">Interest Rate<\/span><\/th>\n<th><span style=\"font-weight: 400;\">Interest Frequency<\/span><\/th>\n<th><span style=\"font-weight: 400;\">Tenure<\/span><\/th>\n<\/tr>\n<\/thead>\n<tbody>\n<tr>\n<td><span style=\"font-weight: 400;\">8.20% p.a.<\/span><\/td>\n<td><span style=\"font-weight: 400;\">Quarterly<\/span><\/td>\n<td><span style=\"font-weight: 400;\">5 years<\/span><\/td>\n<\/tr>\n<\/tbody>\n<\/table><\/div>\n<p><i><span style=\"font-weight: 400;\">Note: The above interest rate is valid as of August 14, 2025.\u00a0 Interest rates are subject to change. Please refer to the latest interest rates before investing.<\/span><\/i><\/p>\n<p><a href=\"https:\/\/goldenpi.com\/blog\/investment-guide\/how-senior-citizens-can-protect-savings-from-inflation\/\"><span style=\"font-weight: 400;\">Senior citizens looking to protect their corpus from inflation<\/span><\/a><span style=\"font-weight: 400;\"> may use SCSS along with other investments because of the attractive interest rates it offers.<\/span><span style=\"font-weight: 400;\">\u00a0<\/span><\/p>\n<h3><span class=\"ez-toc-section\" id=\"Key_features_of_SCSS\"><\/span><span style=\"font-weight: 400;\">Key features of SCSS<\/span><span class=\"ez-toc-section-end\"><\/span><\/h3>\n<ul>\n<li style=\"font-weight: 400;\" aria-level=\"1\"><span style=\"font-weight: 400;\">Investment limits:<\/span>\n<ul>\n<li style=\"font-weight: 400;\" aria-level=\"2\"><span style=\"font-weight: 400;\">Maximum: \u20b930 lakh per person (combined across all SCSS accounts).<\/span><\/li>\n<li style=\"font-weight: 400;\" aria-level=\"2\"><span style=\"font-weight: 400;\">Minimum: \u20b91,000.<\/span><\/li>\n<li style=\"font-weight: 400;\" aria-level=\"2\"><span style=\"font-weight: 400;\">Amount must be in multiples of \u20b91,000.<\/span><\/li>\n<li style=\"font-weight: 400;\" aria-level=\"2\"><span style=\"font-weight: 400;\">Multiple accounts are allowed, including joint accounts with a spouse.<\/span><\/li>\n<\/ul>\n<\/li>\n<\/ul>\n<ul>\n<li style=\"font-weight: 400;\" aria-level=\"1\"><span style=\"font-weight: 400;\">Premature withdrawal is allowed anytime after opening the account, subject to these conditions:<\/span>\n<ul>\n<li style=\"font-weight: 400;\" aria-level=\"2\"><span style=\"font-weight: 400;\">Before 1 year: You won\u2019t get any interest. If any interest was already paid, it will be recovered from the deposit before returning the balance.<\/span><\/li>\n<li style=\"font-weight: 400;\" aria-level=\"2\"><span style=\"font-weight: 400;\">After 1 year but before 2 years: A penalty of 1.5% of your deposit will be deducted.<\/span><\/li>\n<li style=\"font-weight: 400;\" aria-level=\"2\"><span style=\"font-weight: 400;\">After 2 years: A penalty of 1% of your deposit will be deducted.<\/span><\/li>\n<\/ul>\n<\/li>\n<li style=\"font-weight: 400;\" aria-level=\"1\"><span style=\"font-weight: 400;\">An SCSS FD is eligible for deduction under Section 80C\u00a0<\/span><\/li>\n<\/ul>\n<h2><span class=\"ez-toc-section\" id=\"National_Savings_Certificate_VIII_Issue_NSC\"><\/span><span style=\"font-weight: 400;\">National Savings Certificate (VIII Issue) (NSC)\u00a0<\/span><span class=\"ez-toc-section-end\"><\/span><\/h2>\n<p><span style=\"font-weight: 400;\">The National Savings Certificate (NSC) is a <\/span><span style=\"font-weight: 400;\">Post Office FD plan<\/span><span style=\"font-weight: 400;\"> that offers cumulative returns. The interest is not paid out during the investment period. Instead, it is added to your principal and paid at maturity along with the original deposit.<\/span><\/p>\n<div class=\"pcrstb-wrap\"><table>\n<thead>\n<tr>\n<th><span style=\"font-weight: 400;\">Interest Rate<\/span><\/th>\n<th><span style=\"font-weight: 400;\">Interest Frequency<\/span><\/th>\n<th><span style=\"font-weight: 400;\">Tenure<\/span><\/th>\n<\/tr>\n<\/thead>\n<tbody>\n<tr>\n<td><span style=\"font-weight: 400;\">7.70% p.a.<\/span><\/td>\n<td><span style=\"font-weight: 400;\">Interest + Principal paid only at maturity<\/span><\/td>\n<td><span style=\"font-weight: 400;\">5 years<\/span><\/td>\n<\/tr>\n<\/tbody>\n<\/table><\/div>\n<p><i><span style=\"font-weight: 400;\">Note: The above interest rate is valid as of August 14, 2025.\u00a0 Interest rates are subject to change. Please refer to the latest interest rates before investing.<\/span><\/i><\/p>\n<h3><span class=\"ez-toc-section\" id=\"Key_features_of_NSC\"><\/span><span style=\"font-weight: 400;\">Key features of NSC<\/span><span class=\"ez-toc-section-end\"><\/span><\/h3>\n<ul>\n<li style=\"font-weight: 400;\" aria-level=\"1\"><span style=\"font-weight: 400;\">The minimum amount you can invest is \u20b91,000.<\/span><\/li>\n<li style=\"font-weight: 400;\" aria-level=\"1\"><span style=\"font-weight: 400;\">There is no maximum limit.<\/span><\/li>\n<li style=\"font-weight: 400;\" aria-level=\"1\"><span style=\"font-weight: 400;\">Individuals in single or joint holding (up to 3 adults) can invest in NSC.<\/span><\/li>\n<li style=\"font-weight: 400;\" aria-level=\"1\"><span style=\"font-weight: 400;\">The amount invested in this <\/span><span style=\"font-weight: 400;\">Post Office FD plan<\/span><span style=\"font-weight: 400;\"> is eligible for deduction under Section 80C.<\/span><\/li>\n<li style=\"font-weight: 400;\" aria-level=\"1\"><span style=\"font-weight: 400;\">The NSC can be pledged as security to get a loan from banks.<\/span><\/li>\n<\/ul>\n<h2><span class=\"ez-toc-section\" id=\"Mahila_Samman_Savings_Certificate_2023\"><\/span><span style=\"font-weight: 400;\">Mahila Samman Savings Certificate, 2023<\/span><span class=\"ez-toc-section-end\"><\/span><\/h2>\n<p><span style=\"font-weight: 400;\">The Mahila Samman Savings Certificate, 2023, is a <\/span><span style=\"font-weight: 400;\">fixed deposit scheme in the Post Office<\/span><span style=\"font-weight: 400;\"> offered specifically to women. Only a woman can open an account in her own name, or a guardian can open it on behalf of a minor girl.<\/span><\/p>\n<div class=\"pcrstb-wrap\"><table>\n<thead>\n<tr>\n<th><span style=\"font-weight: 400;\">Interest Rate<\/span><\/th>\n<th><span style=\"font-weight: 400;\">Interest Frequency<\/span><\/th>\n<th><span style=\"font-weight: 400;\">Tenure<\/span><\/th>\n<\/tr>\n<\/thead>\n<tbody>\n<tr>\n<td><span style=\"font-weight: 400;\">7.50% p.a.<\/span><\/td>\n<td><span style=\"font-weight: 400;\">Interest + Principal paid only at maturity<\/span><\/td>\n<td><span style=\"font-weight: 400;\">2 years<\/span><\/td>\n<\/tr>\n<\/tbody>\n<\/table><\/div>\n<p><i><span style=\"font-weight: 400;\">Note: The above interest rate is valid as of August 14, 2025.\u00a0 Interest rates are subject to change. Please refer to the latest interest rates before investing.<\/span><\/i><\/p>\n<h3><span class=\"ez-toc-section\" id=\"Key_features_of_Mahila_Samman_Savings_Certificate_2023\"><\/span><span style=\"font-weight: 400;\">Key features of Mahila Samman Savings Certificate, 2023<\/span><span class=\"ez-toc-section-end\"><\/span><\/h3>\n<ul>\n<li style=\"font-weight: 400;\" aria-level=\"1\"><span style=\"font-weight: 400;\">Investment limits:<\/span>\n<ul>\n<li style=\"font-weight: 400;\" aria-level=\"2\"><span style=\"font-weight: 400;\">Minimum deposit: \u20b91,000 (in multiples of \u20b9100).<\/span><\/li>\n<li style=\"font-weight: 400;\" aria-level=\"2\"><span style=\"font-weight: 400;\">Maximum deposit: \u20b92 lakh in one account or across all accounts held by the same person.<\/span><\/li>\n<\/ul>\n<\/li>\n<li style=\"font-weight: 400;\" aria-level=\"1\"><span style=\"font-weight: 400;\">A gap of at least 3 months is required between opening one account and another.<\/span><\/li>\n<li style=\"font-weight: 400;\" aria-level=\"1\"><span style=\"font-weight: 400;\">After 1 year, you can withdraw up to 40% of the balance.<\/span><\/li>\n<li style=\"font-weight: 400;\" aria-level=\"1\"><span style=\"font-weight: 400;\">Premature closure is allowed at any time after 6 months without giving a reason. In such cases, the interest rate will be 2% lower than the scheme\u2019s regular rate (for example, 5.5%).<\/span><\/li>\n<\/ul>\n<h2><span class=\"ez-toc-section\" id=\"Invest_in_FDs_From_Your_Home_Via_the_GoldenPi_Platform\"><\/span><span style=\"font-weight: 400;\">Invest in FDs From Your Home Via the GoldenPi Platform!<\/span><span class=\"ez-toc-section-end\"><\/span><\/h2>\n<p><span style=\"font-weight: 400;\">Post Office investment schemes <\/span><span style=\"font-weight: 400;\">are managed by the Government of India, and their interest rates are reviewed every quarter. Once you invest, your rate is locked in for the entire duration. Apart from the schemes outlined above, <\/span><span style=\"font-weight: 400;\">India Post also releases new Post Office schemes from time to time, so keep an eye out for updates.\u00a0<\/span><\/p>\n<p><span style=\"font-weight: 400;\">As of August 14, 2025, you can get the following highest interest rates from the <\/span><span style=\"font-weight: 400;\">Post Office FD plans<\/span><span style=\"font-weight: 400;\">:<\/span><\/p>\n<ul>\n<li style=\"font-weight: 400;\" aria-level=\"1\"><span style=\"font-weight: 400;\">7.50% p.a. for a 5-year Time Deposit<\/span><\/li>\n<li style=\"font-weight: 400;\" aria-level=\"1\"><span style=\"font-weight: 400;\">7.40% p.a. for <\/span><a href=\"https:\/\/goldenpi.com\/blog\/bank-fd\/post-office-monthly-income-scheme-interest-rate-features\/\"><span style=\"font-weight: 400;\">POMIS<\/span><\/a><\/li>\n<li style=\"font-weight: 400;\" aria-level=\"1\"><span style=\"font-weight: 400;\">8.20% p.a. for SCSS<\/span><\/li>\n<li style=\"font-weight: 400;\" aria-level=\"1\"><span style=\"font-weight: 400;\">7.70% p.a. for NSC<\/span><\/li>\n<li style=\"font-weight: 400;\" aria-level=\"1\"><span style=\"font-weight: 400;\">7.50% p.a. for the Mahila Samman Savings Certificate<\/span><\/li>\n<\/ul>\n<p><span style=\"font-weight: 400;\">These <\/span><span style=\"font-weight: 400;\">Post Office schemes<\/span><span style=\"font-weight: 400;\"> carry sovereign guarantee and are government-backed. If you are exploring more choices, you can also book FDs in popular NBFCs and banks through the GoldenPi platform. The process is 100% online and can be completed within minutes! <\/span><a href=\"https:\/\/goldenpi.com\/fixed-deposits\"><span style=\"font-weight: 400;\">Check out the various FD options from here<\/span><\/a><span style=\"font-weight: 400;\">.<\/span><\/p>\n<h2><span class=\"ez-toc-section\" id=\"Post_Office_FD_Scheme_FAQs\"><\/span><span style=\"font-weight: 400;\">Post Office FD Scheme<\/span><span style=\"font-weight: 400;\"> FAQs<\/span><span class=\"ez-toc-section-end\"><\/span><\/h2>\n<p><b>Which <\/b><b>Post Office FD scheme<\/b><b> offers the highest interest rate in 2025?<\/b><\/p>\n<p><span style=\"font-weight: 400;\">For senior citizens, the Senior Citizens\u2019 Savings Scheme (SCSS) offers the highest rate at 8.20% p.a. On the other hand, for general investors, the National Savings Certificate (NSC) gives the highest rate at 7.70% p.a.\u00a0<\/span><\/p>\n<p><i><span style=\"font-weight: 400;\">These rates are valid as of August 14, 2025. Interest rates are subject to change. Please refer to the latest interest rates before investing<\/span><\/i><\/p>\n<p><b>What is the maximum deposit allowed in the Mahila Samman Savings Certificate?<\/b><\/p>\n<p><span style=\"font-weight: 400;\">The maximum you can deposit is \u20b92 lakh in one account or across all accounts held by the same person. Furthermore, a gap of at least three months is required between opening one account and another under this <\/span><span style=\"font-weight: 400;\">Post Office FD scheme<\/span><span style=\"font-weight: 400;\">.<\/span><\/p>\n<p><b>Can I take NSC interest monthly?<\/b><\/p>\n<p><span style=\"font-weight: 400;\">No! NSC interest is not paid monthly, quarterly, or annually. It is compounded half-yearly and added to your principal. The total amount (principal + interest) is paid in full only at the end of 5 years.<\/span><\/p>\n<p><b>Can SCSS be withdrawn before maturity?<\/b><\/p>\n<p><span style=\"font-weight: 400;\">Yes! You can close SCSS before the due date, but the following penalties apply:<\/span><\/p>\n<ul>\n<li style=\"font-weight: 400;\" aria-level=\"1\"><span style=\"font-weight: 400;\">If you withdraw before 1 year, no interest is given. Any paid interest is recovered from the principal amount.\u00a0<\/span><\/li>\n<li style=\"font-weight: 400;\" aria-level=\"1\"><span style=\"font-weight: 400;\">If you break your FD between 1 and 2 years, 1.5% of the deposit is deducted.<\/span><\/li>\n<li style=\"font-weight: 400;\" aria-level=\"1\"><span style=\"font-weight: 400;\">If you withdraw after 2 years, 1% is deducted.<\/span><\/li>\n<\/ul>\n<p><b>Is the Post Office Monthly Income Scheme (POMIS) interest compounded?<\/b><\/p>\n<p><span style=\"font-weight: 400;\">No! POMIS pays a fixed interest monthly directly to your account. The interest is not compounded or reinvested.<\/span><\/p>\n<p><b>What are the different Post Office schemes in 2026?<\/b><\/p>\n<p><span style=\"font-weight: 400;\">Post Office investment schemes offered in 2026 include:<\/span><\/p>\n<ul>\n<li style=\"font-weight: 400;\" aria-level=\"1\"><span style=\"font-weight: 400;\">Post Office Monthly Income Scheme (POMIS)<\/span><\/li>\n<li style=\"font-weight: 400;\" aria-level=\"1\"><span style=\"font-weight: 400;\">National Savings Time Deposit<\/span><\/li>\n<li style=\"font-weight: 400;\" aria-level=\"1\"><span style=\"font-weight: 400;\">National Savings Certificate<\/span><\/li>\n<li style=\"font-weight: 400;\" aria-level=\"1\"><span style=\"font-weight: 400;\">Senior Citizen Savings Scheme<\/span><\/li>\n<li style=\"font-weight: 400;\" aria-level=\"1\"><span style=\"font-weight: 400;\">Kisan Vikas Patra<\/span><\/li>\n<li style=\"font-weight: 400;\" aria-level=\"1\"><span style=\"font-weight: 400;\">Sukanya Samriddhi Scheme<\/span><\/li>\n<li style=\"font-weight: 400;\" aria-level=\"1\"><span style=\"font-weight: 400;\">Public Provident Fund<\/span><\/li>\n<li style=\"font-weight: 400;\" aria-level=\"1\"><span style=\"font-weight: 400;\">National Savings Recurring Deposit Account<\/span><\/li>\n<\/ul>\n<p><b>How to invest in Post Office schemes?<\/b><\/p>\n<p><span style=\"font-weight: 400;\">To invest in Post Office schemes, follow these steps:\u00a0<\/span><\/p>\n<ul>\n<li style=\"font-weight: 400;\" aria-level=\"1\"><span style=\"font-weight: 400;\">Visit your nearest India Post Office branch with required identity and address proof documents.\u00a0<\/span><\/li>\n<li style=\"font-weight: 400;\" aria-level=\"1\"><span style=\"font-weight: 400;\">Fill out the form for the particular Post Office investment scheme you wish to invest in.\u00a0<\/span><\/li>\n<li style=\"font-weight: 400;\" aria-level=\"1\"><span style=\"font-weight: 400;\">Pay the deposit amount in cash or via cheque.\u00a0<\/span><\/li>\n<\/ul>\n<p><b>How many schemes in Post Office?<\/b><\/p>\n<p><span style=\"font-weight: 400;\">Currently, there are 8 Post Office investment schemes available in India. This is excluding the Post Office savings account and the Mahila Samman Savings Certificate scheme to which the subscription period has ended.<\/span><\/p>\n<p><b>What is the maximum limit of FD in Post Office?<\/b><\/p>\n<p><span style=\"font-weight: 400;\">There is no maximum investment limit for National Savings Time Deposits (cumulative FD schemes). However, for POMIS accounts, the maximum limit is \u20b99 lakh for single accounts and \u20b915 lakh for joint accounts.<\/span><\/p>\n<p><span style=\"font-weight: 400;\">________________________________________________________<\/span><\/p>\n<p><span style=\"font-weight: 400;\">Disclaimer: This information is for general information purposes only. GoldenPi makes no guarantee on the accuracy of the data provided here; the information displayed is subject to change and is provided on an as-is basis. Nothing contained herein is intended to or shall be deemed to be investment advice, implied or otherwise. Investments in the securities market are subject to market risks. Read all the offer-related documents carefully before investing.<\/span><\/p>\n<p><span style=\"font-weight: 400;\">Fixed Deposit schemes are offered by the Post Office, which is regulated by the Government of India. GoldenPi Securities Private Limited is a registered debt broker and acts as a distributor and not as a manufacturer of the product.<\/span><\/p>\n<p>Last updated: 13-02-2026<\/p>\n","protected":false},"excerpt":{"rendered":"<p>The Post Office offers a variety of investment options that are commonly referred to as \u201cSmall or National savings schemes\u201d. These Post&hellip;<\/p>\n","protected":false},"author":8,"featured_media":12068,"comment_status":"open","ping_status":"open","sticky":false,"template":"","format":"standard","meta":{"_lmt_disableupdate":"no","_lmt_disable":"","footnotes":""},"categories":[307],"tags":[302,303,304,305,306],"class_list":["post-9749","post","type-post","status-publish","format-standard","has-post-thumbnail","hentry","category-post-office-fd-scheme","tag-post-office-fd-scheme","tag-post-office-scheme-for-senior-citizens","tag-post-office-fd-scheme-online","tag-post-office-fd-plans","tag-fixed-deposit-schemes-in-post-office"],"yoast_head":"<!-- This site is optimized with the Yoast SEO plugin v26.6 - https:\/\/yoast.com\/wordpress\/plugins\/seo\/ -->\n<title>Explore the latest fixed deposit schemes in the Post Office<\/title>\n<meta name=\"description\" content=\"Want to enjoy sovereign guarantee + non-market linked returns? Check the latest Post Office FD plans, key scheme features, and the latest interest rates offered 2025.\" \/>\n<meta name=\"robots\" content=\"index, follow, max-snippet:-1, max-image-preview:large, max-video-preview:-1\" \/>\n<link rel=\"canonical\" href=\"https:\/\/goldenpi.com\/blog\/post-office-fd-scheme\/post-office-investment-schemes-in-india\/\" \/>\n<meta property=\"og:locale\" content=\"en_US\" \/>\n<meta property=\"og:type\" content=\"article\" \/>\n<meta property=\"og:title\" content=\"Explore the latest fixed deposit schemes in the Post Office\" \/>\n<meta property=\"og:description\" content=\"Want to enjoy sovereign guarantee + non-market linked returns? Check the latest Post Office FD plans, key scheme features, and the latest interest rates offered 2025.\" \/>\n<meta property=\"og:url\" content=\"https:\/\/goldenpi.com\/blog\/post-office-fd-scheme\/post-office-investment-schemes-in-india\/\" \/>\n<meta property=\"og:site_name\" content=\"GoldenPi | Blogs\" \/>\n<meta property=\"article:publisher\" content=\"https:\/\/www.facebook.com\/goldenpitech\" \/>\n<meta property=\"article:published_time\" content=\"2025-08-25T05:40:43+00:00\" \/>\n<meta property=\"article:modified_time\" content=\"2026-02-25T08:40:14+00:00\" \/>\n<meta property=\"og:image\" content=\"https:\/\/d2zny4996dl67j.cloudfront.net\/blogs\/wp-content\/uploads\/2025\/08\/25084004\/Post-Office-Investment-Schemes-in-India-2025-1.png\" \/>\n\t<meta property=\"og:image:width\" content=\"731\" \/>\n\t<meta property=\"og:image:height\" content=\"347\" \/>\n\t<meta property=\"og:image:type\" content=\"image\/png\" \/>\n<meta name=\"author\" content=\"Abhijit Roy, CEO &amp; CO-Founder - GoldenPi\" \/>\n<meta name=\"twitter:card\" content=\"summary_large_image\" \/>\n<meta name=\"twitter:creator\" content=\"@GoldenPiTech\" \/>\n<meta name=\"twitter:site\" content=\"@GoldenPiTech\" \/>\n<meta name=\"twitter:label1\" content=\"Written by\" \/>\n\t<meta name=\"twitter:data1\" content=\"Abhijit Roy, CEO &amp; CO-Founder - GoldenPi\" \/>\n\t<meta name=\"twitter:label2\" content=\"Est. reading time\" \/>\n\t<meta name=\"twitter:data2\" content=\"9 minutes\" \/>\n<script type=\"application\/ld+json\" class=\"yoast-schema-graph\">{\"@context\":\"https:\/\/schema.org\",\"@graph\":[{\"@type\":\"WebPage\",\"@id\":\"https:\/\/goldenpi.com\/blog\/post-office-fd-scheme\/post-office-investment-schemes-in-india\/\",\"url\":\"https:\/\/goldenpi.com\/blog\/post-office-fd-scheme\/post-office-investment-schemes-in-india\/\",\"name\":\"Explore the latest fixed deposit schemes in the Post Office\",\"isPartOf\":{\"@id\":\"https:\/\/goldenpi.com\/blog\/#website\"},\"primaryImageOfPage\":{\"@id\":\"https:\/\/goldenpi.com\/blog\/post-office-fd-scheme\/post-office-investment-schemes-in-india\/#primaryimage\"},\"image\":{\"@id\":\"https:\/\/goldenpi.com\/blog\/post-office-fd-scheme\/post-office-investment-schemes-in-india\/#primaryimage\"},\"thumbnailUrl\":\"https:\/\/d2zny4996dl67j.cloudfront.net\/blogs\/wp-content\/uploads\/2025\/08\/25084004\/Post-Office-Investment-Schemes-in-India-2025-1.png\",\"datePublished\":\"2025-08-25T05:40:43+00:00\",\"dateModified\":\"2026-02-25T08:40:14+00:00\",\"author\":{\"@id\":\"https:\/\/goldenpi.com\/blog\/#\/schema\/person\/5509723fa5ddf09c308e03423c578453\"},\"description\":\"Want to enjoy sovereign guarantee + non-market linked returns? Check the latest Post Office FD plans, key scheme features, and the latest interest rates offered 2025.\",\"breadcrumb\":{\"@id\":\"https:\/\/goldenpi.com\/blog\/post-office-fd-scheme\/post-office-investment-schemes-in-india\/#breadcrumb\"},\"inLanguage\":\"en-US\",\"potentialAction\":[{\"@type\":\"ReadAction\",\"target\":[\"https:\/\/goldenpi.com\/blog\/post-office-fd-scheme\/post-office-investment-schemes-in-india\/\"]}]},{\"@type\":\"ImageObject\",\"inLanguage\":\"en-US\",\"@id\":\"https:\/\/goldenpi.com\/blog\/post-office-fd-scheme\/post-office-investment-schemes-in-india\/#primaryimage\",\"url\":\"https:\/\/d2zny4996dl67j.cloudfront.net\/blogs\/wp-content\/uploads\/2025\/08\/25084004\/Post-Office-Investment-Schemes-in-India-2025-1.png\",\"contentUrl\":\"https:\/\/d2zny4996dl67j.cloudfront.net\/blogs\/wp-content\/uploads\/2025\/08\/25084004\/Post-Office-Investment-Schemes-in-India-2025-1.png\",\"width\":731,\"height\":347,\"caption\":\"Post Office Investment Schemes in India 2025\"},{\"@type\":\"BreadcrumbList\",\"@id\":\"https:\/\/goldenpi.com\/blog\/post-office-fd-scheme\/post-office-investment-schemes-in-india\/#breadcrumb\",\"itemListElement\":[{\"@type\":\"ListItem\",\"position\":1,\"name\":\"Home\",\"item\":\"https:\/\/goldenpi.com\/blog\/\"},{\"@type\":\"ListItem\",\"position\":2,\"name\":\"Post Office Investment Schemes in India 2025\"}]},{\"@type\":\"WebSite\",\"@id\":\"https:\/\/goldenpi.com\/blog\/#website\",\"url\":\"https:\/\/goldenpi.com\/blog\/\",\"name\":\"GoldenPi | Blogs\",\"description\":\"All about bonds online in India\",\"potentialAction\":[{\"@type\":\"SearchAction\",\"target\":{\"@type\":\"EntryPoint\",\"urlTemplate\":\"https:\/\/goldenpi.com\/blog\/?s={search_term_string}\"},\"query-input\":{\"@type\":\"PropertyValueSpecification\",\"valueRequired\":true,\"valueName\":\"search_term_string\"}}],\"inLanguage\":\"en-US\"},{\"@type\":\"Person\",\"@id\":\"https:\/\/goldenpi.com\/blog\/#\/schema\/person\/5509723fa5ddf09c308e03423c578453\",\"name\":\"Abhijit Roy, CEO &amp; CO-Founder - GoldenPi\",\"image\":{\"@type\":\"ImageObject\",\"inLanguage\":\"en-US\",\"@id\":\"https:\/\/goldenpi.com\/blog\/#\/schema\/person\/image\/\",\"url\":\"https:\/\/secure.gravatar.com\/avatar\/50148fe2f5e810e7f34adaace371bdbceacbbce605afb4463be346a7434151e7?s=96&d=https%3A%2F%2Fd2zny4996dl67j.cloudfront.net%2Fblogs%2Fwp-content%2Fuploads%2F2026%2F01%2F12111941%2FAbhijit-512x512-1-1-150x150.png&r=g\",\"contentUrl\":\"https:\/\/secure.gravatar.com\/avatar\/50148fe2f5e810e7f34adaace371bdbceacbbce605afb4463be346a7434151e7?s=96&d=https%3A%2F%2Fd2zny4996dl67j.cloudfront.net%2Fblogs%2Fwp-content%2Fuploads%2F2026%2F01%2F12111941%2FAbhijit-512x512-1-1-150x150.png&r=g\",\"caption\":\"Abhijit Roy, CEO &amp; CO-Founder - GoldenPi\"},\"description\":\"With over 15 years of experience across fixed income and debt markets, he brings deep domain expertise along with a strong focus on investor education and transparency. An alumnus of IIT Kharagpur and IIM Calcutta, his views are personal and should not be considered investment advice.\",\"url\":\"https:\/\/goldenpi.com\/blog\/author\/seo-agency\/\"}]}<\/script>\n<!-- \/ Yoast SEO plugin. -->","yoast_head_json":{"title":"Explore the latest fixed deposit schemes in the Post Office","description":"Want to enjoy sovereign guarantee + non-market linked returns? Check the latest Post Office FD plans, key scheme features, and the latest interest rates offered 2025.","robots":{"index":"index","follow":"follow","max-snippet":"max-snippet:-1","max-image-preview":"max-image-preview:large","max-video-preview":"max-video-preview:-1"},"canonical":"https:\/\/goldenpi.com\/blog\/post-office-fd-scheme\/post-office-investment-schemes-in-india\/","og_locale":"en_US","og_type":"article","og_title":"Explore the latest fixed deposit schemes in the Post Office","og_description":"Want to enjoy sovereign guarantee + non-market linked returns? Check the latest Post Office FD plans, key scheme features, and the latest interest rates offered 2025.","og_url":"https:\/\/goldenpi.com\/blog\/post-office-fd-scheme\/post-office-investment-schemes-in-india\/","og_site_name":"GoldenPi | Blogs","article_publisher":"https:\/\/www.facebook.com\/goldenpitech","article_published_time":"2025-08-25T05:40:43+00:00","article_modified_time":"2026-02-25T08:40:14+00:00","og_image":[{"width":731,"height":347,"url":"https:\/\/d2zny4996dl67j.cloudfront.net\/blogs\/wp-content\/uploads\/2025\/08\/25084004\/Post-Office-Investment-Schemes-in-India-2025-1.png","type":"image\/png"}],"author":"Abhijit Roy, CEO &amp; CO-Founder - GoldenPi","twitter_card":"summary_large_image","twitter_creator":"@GoldenPiTech","twitter_site":"@GoldenPiTech","twitter_misc":{"Written by":"Abhijit Roy, CEO &amp; CO-Founder - GoldenPi","Est. reading time":"9 minutes"},"schema":{"@context":"https:\/\/schema.org","@graph":[{"@type":"WebPage","@id":"https:\/\/goldenpi.com\/blog\/post-office-fd-scheme\/post-office-investment-schemes-in-india\/","url":"https:\/\/goldenpi.com\/blog\/post-office-fd-scheme\/post-office-investment-schemes-in-india\/","name":"Explore the latest fixed deposit schemes in the Post Office","isPartOf":{"@id":"https:\/\/goldenpi.com\/blog\/#website"},"primaryImageOfPage":{"@id":"https:\/\/goldenpi.com\/blog\/post-office-fd-scheme\/post-office-investment-schemes-in-india\/#primaryimage"},"image":{"@id":"https:\/\/goldenpi.com\/blog\/post-office-fd-scheme\/post-office-investment-schemes-in-india\/#primaryimage"},"thumbnailUrl":"https:\/\/d2zny4996dl67j.cloudfront.net\/blogs\/wp-content\/uploads\/2025\/08\/25084004\/Post-Office-Investment-Schemes-in-India-2025-1.png","datePublished":"2025-08-25T05:40:43+00:00","dateModified":"2026-02-25T08:40:14+00:00","author":{"@id":"https:\/\/goldenpi.com\/blog\/#\/schema\/person\/5509723fa5ddf09c308e03423c578453"},"description":"Want to enjoy sovereign guarantee + non-market linked returns? Check the latest Post Office FD plans, key scheme features, and the latest interest rates offered 2025.","breadcrumb":{"@id":"https:\/\/goldenpi.com\/blog\/post-office-fd-scheme\/post-office-investment-schemes-in-india\/#breadcrumb"},"inLanguage":"en-US","potentialAction":[{"@type":"ReadAction","target":["https:\/\/goldenpi.com\/blog\/post-office-fd-scheme\/post-office-investment-schemes-in-india\/"]}]},{"@type":"ImageObject","inLanguage":"en-US","@id":"https:\/\/goldenpi.com\/blog\/post-office-fd-scheme\/post-office-investment-schemes-in-india\/#primaryimage","url":"https:\/\/d2zny4996dl67j.cloudfront.net\/blogs\/wp-content\/uploads\/2025\/08\/25084004\/Post-Office-Investment-Schemes-in-India-2025-1.png","contentUrl":"https:\/\/d2zny4996dl67j.cloudfront.net\/blogs\/wp-content\/uploads\/2025\/08\/25084004\/Post-Office-Investment-Schemes-in-India-2025-1.png","width":731,"height":347,"caption":"Post Office Investment Schemes in India 2025"},{"@type":"BreadcrumbList","@id":"https:\/\/goldenpi.com\/blog\/post-office-fd-scheme\/post-office-investment-schemes-in-india\/#breadcrumb","itemListElement":[{"@type":"ListItem","position":1,"name":"Home","item":"https:\/\/goldenpi.com\/blog\/"},{"@type":"ListItem","position":2,"name":"Post Office Investment Schemes in India 2025"}]},{"@type":"WebSite","@id":"https:\/\/goldenpi.com\/blog\/#website","url":"https:\/\/goldenpi.com\/blog\/","name":"GoldenPi | Blogs","description":"All about bonds online in India","potentialAction":[{"@type":"SearchAction","target":{"@type":"EntryPoint","urlTemplate":"https:\/\/goldenpi.com\/blog\/?s={search_term_string}"},"query-input":{"@type":"PropertyValueSpecification","valueRequired":true,"valueName":"search_term_string"}}],"inLanguage":"en-US"},{"@type":"Person","@id":"https:\/\/goldenpi.com\/blog\/#\/schema\/person\/5509723fa5ddf09c308e03423c578453","name":"Abhijit Roy, CEO &amp; CO-Founder - GoldenPi","image":{"@type":"ImageObject","inLanguage":"en-US","@id":"https:\/\/goldenpi.com\/blog\/#\/schema\/person\/image\/","url":"https:\/\/secure.gravatar.com\/avatar\/50148fe2f5e810e7f34adaace371bdbceacbbce605afb4463be346a7434151e7?s=96&d=https%3A%2F%2Fd2zny4996dl67j.cloudfront.net%2Fblogs%2Fwp-content%2Fuploads%2F2026%2F01%2F12111941%2FAbhijit-512x512-1-1-150x150.png&r=g","contentUrl":"https:\/\/secure.gravatar.com\/avatar\/50148fe2f5e810e7f34adaace371bdbceacbbce605afb4463be346a7434151e7?s=96&d=https%3A%2F%2Fd2zny4996dl67j.cloudfront.net%2Fblogs%2Fwp-content%2Fuploads%2F2026%2F01%2F12111941%2FAbhijit-512x512-1-1-150x150.png&r=g","caption":"Abhijit Roy, CEO &amp; CO-Founder - GoldenPi"},"description":"With over 15 years of experience across fixed income and debt markets, he brings deep domain expertise along with a strong focus on investor education and transparency. An alumnus of IIT Kharagpur and IIM Calcutta, his views are personal and should not be considered investment advice.","url":"https:\/\/goldenpi.com\/blog\/author\/seo-agency\/"}]}},"post_mailing_queue_ids":[],"_links":{"self":[{"href":"https:\/\/goldenpi.com\/blog\/wp-json\/wp\/v2\/posts\/9749","targetHints":{"allow":["GET"]}}],"collection":[{"href":"https:\/\/goldenpi.com\/blog\/wp-json\/wp\/v2\/posts"}],"about":[{"href":"https:\/\/goldenpi.com\/blog\/wp-json\/wp\/v2\/types\/post"}],"author":[{"embeddable":true,"href":"https:\/\/goldenpi.com\/blog\/wp-json\/wp\/v2\/users\/8"}],"replies":[{"embeddable":true,"href":"https:\/\/goldenpi.com\/blog\/wp-json\/wp\/v2\/comments?post=9749"}],"version-history":[{"count":6,"href":"https:\/\/goldenpi.com\/blog\/wp-json\/wp\/v2\/posts\/9749\/revisions"}],"predecessor-version":[{"id":11700,"href":"https:\/\/goldenpi.com\/blog\/wp-json\/wp\/v2\/posts\/9749\/revisions\/11700"}],"wp:featuredmedia":[{"embeddable":true,"href":"https:\/\/goldenpi.com\/blog\/wp-json\/wp\/v2\/media\/12068"}],"wp:attachment":[{"href":"https:\/\/goldenpi.com\/blog\/wp-json\/wp\/v2\/media?parent=9749"}],"wp:term":[{"taxonomy":"category","embeddable":true,"href":"https:\/\/goldenpi.com\/blog\/wp-json\/wp\/v2\/categories?post=9749"},{"taxonomy":"post_tag","embeddable":true,"href":"https:\/\/goldenpi.com\/blog\/wp-json\/wp\/v2\/tags?post=9749"}],"curies":[{"name":"wp","href":"https:\/\/api.w.org\/{rel}","templated":true}]}}