Post Office Best Schemes 2026: Money will be double, highest interest is available in these 3 schemes of Post Office, know the latest rates

News India Live, Digital Desk: Post office savings schemes have once again become the center of attraction for investors looking for safe investment and guaranteed returns. According to the latest data for March 2026, the government has kept the interest rates on Sukanya Samriddhi Yojana (SSY) and Senior Citizen Savings Scheme (SCSS) at their highest level of 8.20%.1. Sukanya Samriddhi Yojana (SSY): Best for daughters. If you want to invest for your daughter’s future (education or marriage), then this scheme is the best. Interest rate: 8.20% (compounding annually) Features: The amount invested, interest received and maturity amount are completely tax free (EEE Status). Investment limit: Minimum of ₹ 250 and maximum of ₹ 1.5 lakh can be deposited in a year. Are.2. Senior Citizen Savings Scheme (SCSS): Support for the elderly This scheme is no less than a boon for citizens above 60 years of age. Interest Rate: 8.20% (quarterly payment) Investment Limit: Maximum investment can be up to ₹ 30 lakh. Maturity: Its tenure is 5 years, which can be extended for another 3 years. Tax exemption is also available under Section 80C.3. Post Office Monthly Income Scheme (MIS): Fixed income every month For those who want regular income every month by depositing money once, this scheme is great.Interest rate: 7.4% (paid per month)Big update: Now there is facility to deposit up to ₹9 lakh in individual account and ₹15 lakh in joint account.Example: If you deposit ₹15 lakh in a joint account, you get an assured income of around ₹9,250 every month. Will be. Name of the scheme. Interest Rate (2026) | Duration,SSY (Sukanya Samriddhi) 8.20% 21 years | | SCSS (Senior Citizen) 8.20% | 5 years | NSC (National Savings Certificate) 7.70% | 5 years | KVP (Kisan Vikas Patra) 7.50% 115 Months Time Deposit (5 Yr FD) | 7.50% | 5 years, PPF (PPF) 7.10% 15 years