| Name of the Scheme | Limits of Investment (Present Status) | Maturity Period (Years) | Rate of Interest (Per cent Per annum) | Deductions under Sec. 80C of Income Tax Act (Present Status) | Net outstanding amount at End - Mar. 2025 (₹ Crore) |
| Since Sep. 2, 1993 | Since Jan. 2, 1999 | Since Apr. 1, 2016 | Since Apr. 1, 2017 | Since Apr. 1, 2018 | Since Apr. 1, 2019 | Since Apr. 1, 2020 | Since Apr. 1, 2023 | Since Jul. 1, 2023 | Since Oct. 1, 2023 | Since Jan. 1, 2024 | Since Jul. 1, 2025 | Since Jul. 1, 2026 |
| 1 | 2 | 3 | 4 | 5 | 6 | 7 | 8 | 9 | 10 | 11 | 12 | 13 | 14 | 15 | 16 | 17 |
| Post Office Savings Bank Accounts | Minimum ₹500 and no maximum limit. | # | # | 4.0 | 4.0 | 4.0 | 4.0 | 4.0 | 4.0 | 4.0 | 4.0 | 4.0 | 4.0 | 4.0 | No | 191691 |
| Public Provident Fund 1968 | Minimum ₹500 and maximum limit of ₹1,50,000 in a financial year. | 15 | 15 | 8.1 | 7.9 | 7.6 | 8.0 | 7.1 | 7.1 | 7.1 | 7.1 | 7.1 | 7.1 | 7.1 | Yes | 148215 |
| Post Office Time Deposit Account | Minimum ₹1000 and no maximum limit. | 1,2,3 and 5 | 1,2,3 and 5 | - | - | - | - | - | - | - | - | - | - | - | - | 305776 |
| (i) 1 Year | - | - | - | 7.1 | 6.9 | 6.6 | 7.0 | 5.5 | 6.8 | 6.9 | 6.9 | 6.9 | 6.9 | 6.9 | No | 165641** |
| (ii) 2 Year | - | - | - | 7.2 | 7.0 | 6.7 | 7.0 | 5.5 | 6.9 | 7.0 | 7.0 | 7.0 | 7.0 | 7.0 | No | 14819** |
| (iii) 3 Year | - | - | - | 7.4 | 7.2 | 6.9 | 7.0 | 5.5 | 7.0 | 7.0 | 7.0 | 7.1 | 7.1 | 7.1 | No | 10816** |
| (iv) 5 Year | - | - | - | 7.9 | 7.7 | 7.4 | 7.8 | 6.7 | 7.5 | 7.5 | 7.5 | 7.5 | 7.5 | 7.5 | Yes | 147255** |
| Post Office Recurring Deposit Account | Minimum ₹100 per month and no maximum limit. | 5 | 5 | 7.4 | 7.2 | 6.9 | 7.3 | 5.8 | 6.2 | 6.5 | 6.7 | 6.7 | 6.7 | 6.7 | No | 197136 |
| National Savings Scheme 1992 | Discontinued. | 4 | 4 | - | - | - | - | - | - | - | - | - | - | - | - | |
| Post Office Monthly Income Scheme | Minimum ₹1000 and maximum limit of ₹9 lakh in Single Account and ₹15 lakh in Joint Account. | 6 | 5 | 7.8 | 7.6 | 7.3 | 7.7 | 6.6 | 7.4 | 7.4 | 7.4 | 7.4 | 7.4 | 7.4 | No | 269010 |
| NSC VIII issue (For 5 years) | Minimum ₹1000 and no maximum limit. | 6 | 5 | 8.1 | 7.9 | 7.6 | 8.0 | 6.8 | 7.7 | 7.7 | 7.7 | 7.7 | 7.7 | 7.7 | Yes | 183907 |
| NSC IX issue (For 10 years) | Discontinued | - | 10^^ | - | - | - | - | - | - | - | - | - | - | - | Yes | - |
| Indira Vikas Patra | Discontinued | 5.5 | 6 | - | - | - | - | - | - | - | - | - | - | - | Yes | |
| Kisan Vikas Patra* | Minimum ₹1000 and no maximum limit. | 5.5* | - | 7.8 | 7.6 | 7.3 | 7.7 | 6.9 | 7.5 | 7.5 | 7.5 | 7.5 | 7.5 | 7.5 | No | 220560 |
| Senior Citizens Saving Scheme | Minimum ₹1000 and maximum limit of ₹30 lakh. | - | 5^ | 8.6 | 8.4 | 8.3 | 8.7 | 7.4 | 8.2 | 8.2 | 8.2 | 8.2 | 8.2 | 8.2 | Yes | 175467 |
| Sukanya Samriddhi Accounts | Minimum ₹250 and maximum limit of ₹1,50,000 in a financial year. | - | 21 years or at the time of marriage of the girl child after attaining age of 18^^^ | 8.6 | 8.4 | 8.1 | 8.5 | 7.6 | 8.0 | 8.0 | 8.0 | 8.2 | 8.2 | 8.2 | Yes | 157610 |
Notes : - Not Available
# Open-ended scheme.
^ Introduced in August 2004.
^^ Introduced in December 2011.
^^^ Introduced in January 2015.
* Pertains to Kisan Vikas Patra 2014.
** Refers to gross outstanding amount i.e., outstanding amount not adjusted for receipts as the data for the same is not available.
Also see Notes on Tables.
Sources : 1. Department of Economic Affairs, Ministry of Finance, Government of India.
2. National Savings Institute.
3. Press releases and Indian Public Finance Statistics, Ministry of Finance, Government of India.
4. Report of the Advisory Committee to Advise on the Administered Interest Rates and Rationalisation of Savings Instruments.
5. Accountant General, Posts & Telegraph.
6. Reserve Bank of India Bulletin. |