Post Office Scheme: Invest in this great scheme of Post Office and get Rs 15000 every month.

Best Post Office Scheme: When it comes to safe investment and strong returns, small savings schemes run by the post office seem to be at the forefront. On one hand, the Government of India itself takes full guarantee of security on all types of investments made in these wonderful schemes. At the same time, compared to all the government schemes, the interest being given on these investments is also very strong and very good. It proves to be very helpful for common people in raising huge funds for the future through small savings.

There are many post office schemes which provide a firm guarantee of a fixed monthly income every month to the investors. One of these is the Post Office Senior Citizen Saving Scheme, which is considered to be the most beneficial and very useful scheme for senior citizens. In this special one time investment scheme, you have to invest only once in your life and your income starts. After this, your monthly income becomes fixed and you can earn comfortably sitting at home without any risk.

One time investment and guaranteed income

This excellent senior citizen scheme with zero risk gives very secure returns after depositing the lump sum amount. By investing in this, you can earn a guaranteed income of Rs 15,000 every month and improve your life easily. However, if you increase your investment, you will get a good chance of getting more income in the future. This is proving to be a very beneficial and excellent government scheme for those who want a secure future.

Start investing from Rs 1000

Investing in the government scheme Senior Citizen Saving Scheme can be started easily with just Rs 1000. According to the rules of the scheme, investors get the best facility to open both single and joint accounts. Where the maximum lump sum investment limit in a single account has been set strictly at Rs 15 lakh. You can take full advantage of it by investing a maximum of Rs 30 lakh in a joint account.

Maturity and interest payment

The maturity period for this Senior Citizen Saving Scheme of the Post Office has been completely fixed at 5 years. In this government scheme, the handsome interest amount received on investment is paid every three months. But to avail its full and proper benefits, it is important that the account holder keeps the account open till the maturity period. If the account holder closes his account before maturity, he will also have to pay penalty as per the rules.

You will get good interest of 8.2%

This scheme of the post office is considered much better and safer than the fixed deposits or FDs of many banks. Because it gives more interest than the FD of banks, which is currently fixed at 8.2% by the government. Apart from this, if we talk about other benefits, you are also given huge benefit of tax exemption on investment in this scheme. Under the old tax regime, annual exemption of up to Rs 1.5 lakh is available under Section 80C of Income Tax.

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Mathematics of Rs 15000 every month

After investing lump sum in this scheme, you can easily earn an income of Rs 15000 every month till maturity. If you calculate through a calculator, you invest Rs 22 lakh completely in one go. So at 8.2% interest for five years maturity, the total interest you will get on your investment will be Rs 9,02,000. With its addition, your total fund will become Rs 31,02,000 and the interest on quarterly basis will be Rs 45,100, which will be Rs 15,033 every month.