Currently, the Post Office Savings Account offers 4% annual interest. If you deposit ₹3000 and leave it untouched for 5 years:

• Final amount after 5 years: ₹3660

• Interest earned: ₹660

This is ideal for people looking for liquidity and a low-risk place to park their money, but it doesn’t offer high returns.

For those who want slightly better returns, the 5-year Post Office Time Deposit currently offers 7.5% annual interest, compounded annually.

• Investment: ₹3000 (one-time)

• Final amount after 5 years: ₹4349

• Total interest earned: ₹1349

This is a better option for people seeking medium-term guaranteed returns.

In the Post Office MIS, you receive monthly interest. The current rate is 7.4% per annum.

• Monthly payout on ₹3000: ₹19

• Total interest in 5 years: ₹1140

• Maturity amount: ₹4140 (₹3000 principal + ₹1140 interest)

This is a good option for senior citizens or investors looking for monthly passive income.

If you’re ready to invest ₹3000 every month, the Post Office Recurring Deposit at 6.7% interest yields significant returns:

• Total deposit over 5 years: ₹1,80,000

• Total amount with interest: ₹2,14,097

• Interest earned: ₹34,097

This scheme is perfect for disciplined investors with long-term goals like child education or home buying.

The Post Office provides safe, government-backed savings options for every kind of investor. Whether you want to make a one-time deposit or save monthly, you can find a scheme that suits your needs.

Disclaimer: This article is for educational purposes. Always consult a financial advisor before investing.