Investment Opportunities
Top Post Office Investment Schemes/Insurance (2025)
Post Office investments are known for being safe, government-backed, and suitable for conservative investors. They’re ideal for people looking for guaranteed returns, tax benefits, and low risk.
If you're looking to save taxes under Section 80C, and also want safe, fixed returns, then options like PPF, NSC, Postal Insurance, 5-Year TD, SCSS, and PLI are your best picks
🧮 Bonus Rates (Indicative, 2025)
Plan Bonus Rate
Whole Life Insurance ₹76 per ₹1,000 sum assured/year
Endowment Insurance Plan ₹58 per ₹1,000/year
Anticipated Plan ₹48 per ₹1,000/year
Feature Details
(Government-Backed | Risk-free | sovereign guarantee)
Bonus - Declared annually | adds to returns
Tax Benefits - Premiums under Sec 80C | maturity is tax-free under Sec 10(10D)
Loan Facility - Available after 3 years (most plans)
Affordable Premiums - Lower than private insurance companies
Policy Revival - Up to 5 years of lapse allowed (with conditions)
(Note: Actual maturity depends on sum assured, policy term, and bonus accumulation.)
Tax Benefits - Premiums under Sec 80C | maturity is tax-free under Sec 10(10D)
Top Post Office Insurance Tax-Free under Sec 10(10D)
Investment Schemes
Maturity Benefit
Sum Assured
Description
Suitable For
Whole Life Assurance (Suraksha)
Sum assured + bonus
₹20,000 – ₹50 lakh
Insurance + lump sum on age 80 or death
Long-term, lifelong coverage
Endowment Assurance (Santosh)
Sum assured + bonus
₹20,000 – ₹50 lakh
Insurance + maturity at selected age
Savings + life cover
Convertible Whole Life (Suvidha)
Sum assured + bonus
₹20,000 – ₹50 lakh
Whole life policy convertible to endowment after 5 years
Flexibility in planning
Anticipated Endowment (Sumangal)
Periodic survival benefits + bonus
₹20,000 – ₹50 lakh
Money-back + life cover
For regular payouts
Joint Life Assurance (Yugal Suraksha)
On maturity or death
₹20,000 – ₹50 lakh
For married couples
Couples wanting joint cover
Children Policy (Bal Jeevan Bima)
On child’s maturity
Up to ₹3 lakh
Life cover for children aged 5–20 (parent is policyholder)
Parents planning for child’s future
For Further Details Contact Us
Affordable Premiums - Lower than private insurance companies
-
100% capital protection (backed by Government of India)
-
Guaranteed returns, revised quarterly
-
No market risk
-
Suitable for retirees, risk-averse investors, and small savers
-
Most require low minimum investment
Top Post Office Investment Schemes
Investment Schemes
Interest Rate (Q2 FY 2025)
Tenure
Features
Tax Benefit
Post Office Monthly Income Scheme (POMIS)
7.4% p.a.
5 years
Monthly income; capital safe
No tax benefit
Senior Citizens Savings Scheme (SCSS)
8.2% p.a.
5 years
For 60+ age; quarterly interest payout
Sec 80C tax deduction
National Savings Time Deposit
1Yr: ~6.9%
5Yr: ~7.5%
1–5 years
Like fixed deposit; compound interest
5-Year option eligible under 80C
National Savings Certificate (NSC)
7.7% p.a.
5 years
One-time investment, compounding
Sec 80C tax deduction
Kisan Vikas Patra (KVP)
Doubles in ~115 months
9.3 years
Secure, guaranteed doubling
No tax benefit
Public Provident Fund (PPF)
7.1% p.a.
15 years
Tax-free interest; compound growth
EEE (Exempt-Exempt-Exempt)
Sukanya Samriddhi Yojana
8.0% p.a.
Until girl turns 21
For girl child; tax-free
Sec 80C + tax-free returns
Recurring Deposit (RD)
6.7% p.a.
5 years
Monthly deposits; compound interest
No tax benefit
For Further Details Contact Us