The Post Office offers a range of government-backed savings schemes that provide guaranteed returns.
These schemes are popular because they are safe, reliable, and available for all age groups, from children to senior citizens.
The government announces interest rates every quarter, and for January-March 2026, rates have been updated for small savings schemes.
Top 5 Post Office Savings Schemes
Here are the best five post office schemes to consider in 2026:
Senior Citizen Savings Scheme (SCSS)
Sukanya Samriddhi Yojana (SSY)
Post Office Monthly Income Scheme (POMIS)
National Savings Certificate (NSC)
Mahila Samman Savings Certificate (MSSC)
These schemes are designed to encourage savings and financial security for individuals and families.
Scheme Details and Interest Rates
Senior Citizen Savings Scheme (SCSS)
Exclusively for senior citizens.
Offers the highest returns among post office schemes at 8.2%.
Interest rates are higher than most bank fixed deposits.
 Sukanya Samriddhi Yojana (SSY)
Special savings scheme for girls under 10 years of age.
Helps parents save for their daughter’s future.
Current interest rate: 8.2%.
Post Office Monthly Income Scheme (POMIS)
Provides a monthly income to investors.
Current interest rate: 7.4%, paid monthly.
Approved by the Ministry of Finance.
National Savings Certificate (NSC)
Popular, low-risk savings scheme with tax benefits under Section 80C.
Interest rate remains 7.7%.
Encourages small to medium savings for Indian residents.
Mahila Samman Savings Certificate (MSSC)
Targeted at women and girls to promote safe investments.
Provides fixed income with capital protection.
Current interest rate: 7.5%.
Which Scheme Gives the Highest Returns?
For the January-March 2026 quarter, the Senior Citizen Savings Scheme (SCSS) and Sukanya Samriddhi Yojana (SSY) offer the highest interest rates at 8.2%.
These schemes are ideal for long-term financial security and guaranteed returns.