{"id":15718,"date":"2025-04-10T11:50:03","date_gmt":"2025-04-10T11:50:03","guid":{"rendered":"https:\/\/lxme.in\/?p=15718"},"modified":"2025-05-21T11:54:31","modified_gmt":"2025-05-21T11:54:31","slug":"post-office-savings-schemes-for-women","status":"publish","type":"post","link":"https:\/\/lxme.in\/v1\/post-office-savings-schemes-for-women\/","title":{"rendered":"5 Post Office Schemes for Women and their Benefits"},"content":{"rendered":"<div id=\"ez-toc-container\" class=\"ez-toc-v2_0_75 counter-hierarchy ez-toc-counter ez-toc-transparent ez-toc-container-direction\">\n<div class=\"ez-toc-title-container\">\n<span class=\"ez-toc-title-toggle\"><a href=\"#\" class=\"ez-toc-pull-right ez-toc-btn ez-toc-btn-xs ez-toc-btn-default ez-toc-toggle\" aria-label=\"Toggle Table of Content\"><span class=\"ez-toc-js-icon-con\"><span class=\"\"><span class=\"eztoc-hide\" style=\"display:none;\">Toggle<\/span><span class=\"ez-toc-icon-toggle-span\"><svg style=\"fill: #999;color:#999\" xmlns=\"http:\/\/www.w3.org\/2000\/svg\" class=\"list-377408\" width=\"20px\" height=\"20px\" viewBox=\"0 0 24 24\" fill=\"none\"><path d=\"M6 6H4v2h2V6zm14 0H8v2h12V6zM4 11h2v2H4v-2zm16 0H8v2h12v-2zM4 16h2v2H4v-2zm16 0H8v2h12v-2z\" fill=\"currentColor\"><\/path><\/svg><svg style=\"fill: #999;color:#999\" class=\"arrow-unsorted-368013\" xmlns=\"http:\/\/www.w3.org\/2000\/svg\" width=\"10px\" height=\"10px\" viewBox=\"0 0 24 24\" version=\"1.2\" baseProfile=\"tiny\"><path d=\"M18.2 9.3l-6.2-6.3-6.2 6.3c-.2.2-.3.4-.3.7s.1.5.3.7c.2.2.4.3.7.3h11c.3 0 .5-.1.7-.3.2-.2.3-.5.3-.7s-.1-.5-.3-.7zM5.8 14.7l6.2 6.3 6.2-6.3c.2-.2.3-.5.3-.7s-.1-.5-.3-.7c-.2-.2-.4-.3-.7-.3h-11c-.3 0-.5.1-.7.3-.2.2-.3.5-.3.7s.1.5.3.7z\"\/><\/svg><\/span><\/span><\/span><\/a><\/span><\/div>\n<nav><ul class='ez-toc-list ez-toc-list-level-1 ' ><li class='ez-toc-page-1 ez-toc-heading-level-2'><a class=\"ez-toc-link ez-toc-heading-1\" href=\"https:\/\/lxme.in\/v1\/post-office-savings-schemes-for-women\/#5_Post_Office_Savings_Schemes_for_Women\" >5 Post Office Savings Schemes for Women<\/a><ul class='ez-toc-list-level-3' ><li class='ez-toc-heading-level-3'><a class=\"ez-toc-link ez-toc-heading-2\" href=\"https:\/\/lxme.in\/v1\/post-office-savings-schemes-for-women\/#1_Recurring_Deposit_RD\" >1. Recurring Deposit (RD)<\/a><\/li><li class='ez-toc-page-1 ez-toc-heading-level-3'><a class=\"ez-toc-link ez-toc-heading-3\" href=\"https:\/\/lxme.in\/v1\/post-office-savings-schemes-for-women\/#2_National_Saving_Certificate_NSC\" >2. National Saving Certificate (NSC)<\/a><\/li><li class='ez-toc-page-1 ez-toc-heading-level-3'><a class=\"ez-toc-link ez-toc-heading-4\" href=\"https:\/\/lxme.in\/v1\/post-office-savings-schemes-for-women\/#3_Public_Provident_FundPPF\" >3. Public Provident Fund(PPF)<\/a><\/li><li class='ez-toc-page-1 ez-toc-heading-level-3'><a class=\"ez-toc-link ez-toc-heading-5\" href=\"https:\/\/lxme.in\/v1\/post-office-savings-schemes-for-women\/#4_Sukanya_Samriddhi_Yojana_SSY\" >4. Sukanya Samriddhi Yojana (SSY)<\/a><\/li><li class='ez-toc-page-1 ez-toc-heading-level-3'><a class=\"ez-toc-link ez-toc-heading-6\" href=\"https:\/\/lxme.in\/v1\/post-office-savings-schemes-for-women\/#5_Post_Office_Monthly_Income_Scheme_POMIS\" >5. Post Office Monthly Income Scheme (POMIS)<\/a><\/li><\/ul><\/li><li class='ez-toc-page-1 ez-toc-heading-level-2'><a class=\"ez-toc-link ez-toc-heading-7\" href=\"https:\/\/lxme.in\/v1\/post-office-savings-schemes-for-women\/#FAQs\" >FAQs<\/a><ul class='ez-toc-list-level-3' ><li class='ez-toc-heading-level-3'><a class=\"ez-toc-link ez-toc-heading-8\" href=\"https:\/\/lxme.in\/v1\/post-office-savings-schemes-for-women\/#How_can_women_maximize_returns_by_utilizing_these_post_office_savings_schemes\" >How can women maximize returns by utilizing these post office savings schemes?<\/a><\/li><li class='ez-toc-page-1 ez-toc-heading-level-3'><a class=\"ez-toc-link ez-toc-heading-9\" href=\"https:\/\/lxme.in\/v1\/post-office-savings-schemes-for-women\/#Which_eligibility_criteria_and_application_steps_are_involved_for_these_schemes\" >Which eligibility criteria and application steps are involved for these schemes?<\/a><\/li><\/ul><\/li><\/ul><\/nav><\/div>\n\n<p>In our Lxme community, we often get questions from women like: Where should I save my money where it will be safe &amp; offer guaranteed returns? For all those ladies this blog is for you.<\/p>\n\n\n\n<p>The Indian Post Office offers a variety of post office savings schemes designed to help women build wealth securely and steadily. Let\u2019s explore different post office saving scheme for women.<\/p>\n\n\n\n<p>Post Office Savings Schemes are some of the safest investment options available in India. They are backed by the Government of India, ensuring safety &amp; fixed returns. These schemes are ideal for women who want to diversify their investments against savings schemes that offer guaranteed returns.&nbsp;<\/p>\n\n\n\n<h2 class=\"wp-block-heading\"><span class=\"ez-toc-section\" id=\"5_Post_Office_Savings_Schemes_for_Women\"><\/span><strong><em>5 <\/em><\/strong><strong><em>Post Office Savings Schemes for Women<\/em><\/strong><span class=\"ez-toc-section-end\"><\/span><\/h2>\n\n\n\n<h3 class=\"wp-block-heading\"><span class=\"ez-toc-section\" id=\"1_Recurring_Deposit_RD\"><\/span><strong>1. Recurring Deposit (RD)<\/strong><span class=\"ez-toc-section-end\"><\/span><\/h3>\n\n\n\n<p>Recurring deposits allow you to invest a fixed amount every month. It offers a fixed interest rate, currently around 6.7% per annum (subject to change), with interest compounded quarterly. The minimum investment amount is \u20b9100, and the maturity is 5 years.<\/p>\n\n\n\n<p>This makes RD an ideal option for those looking to cultivate a disciplined savings habit while earning fixed returns.&nbsp;<\/p>\n\n\n\n<h3 class=\"wp-block-heading\"><span class=\"ez-toc-section\" id=\"2_National_Saving_Certificate_NSC\"><\/span><strong>2. National Saving Certificate (NSC)<\/strong><span class=\"ez-toc-section-end\"><\/span><\/h3>\n\n\n\n<p>The National Savings Certificate (NSC) is a savings scheme backed by the Government which is offered by India Post is one of the best post office scheme for women. These certificates earn fixed interests to provide stable and long-term income. The current interest rate is 7.7% p.a. compounded annually, however, it does not beat inflation over the long term.<\/p>\n\n\n\n<h3 class=\"wp-block-heading\"><span class=\"ez-toc-section\" id=\"3_Public_Provident_FundPPF\"><\/span><strong>3. Public Provident Fund(PPF)<\/strong><span class=\"ez-toc-section-end\"><\/span><\/h3>\n\n\n\n<p>PPF is a government-backed savings scheme offered by post office which is open to Resident Indians, parents can open an account on behalf of their child. It offers a fixed interest rate, currently at 7.1% p.a. which is compounded annually, and it\u2019s revised every quarter by the government. PPF has a maturity period of 15 years, providing a secure investment option for long-term savings which is another best choice for best post office mahila scheme. However, it cannot beat inflation over the long term.<\/p>\n\n\n\n<h3 class=\"wp-block-heading\"><span class=\"ez-toc-section\" id=\"4_Sukanya_Samriddhi_Yojana_SSY\"><\/span><strong>4. Sukanya Samriddhi Yojana (SSY)<\/strong><span class=\"ez-toc-section-end\"><\/span><\/h3>\n\n\n\n<p>Sukanya Samriddhi Yojana is a government investment scheme in India, offered by post office aimed at supporting the financial future of girl child which will help parents save for their daughter&#8217;s higher education and other expenses. The current interest rate is 8.2% p.a. compounded annually making it one of the best post office saving scheme for women.<\/p>\n\n\n\n<h3 class=\"wp-block-heading\"><span class=\"ez-toc-section\" id=\"5_Post_Office_Monthly_Income_Scheme_POMIS\"><\/span><strong>5. Post Office Monthly Income Scheme (POMIS)<\/strong><span class=\"ez-toc-section-end\"><\/span><\/h3>\n\n\n\n<p>POMIS offers a fixed interest rate, currently around 7.4% per annum (subject to change), making it an ideal option for individuals seeking stable returns. The minimum investment amount is \u20b91,000, while the maximum limit is \u20b99 lakh for a single account and \u20b915 lakh for a joint account. This scheme is best suited for those who want regular income while keeping their capital secure.&nbsp;<\/p>\n\n\n\n<p>As we have seen different post office schemes for women and understood that these schemes are safe and reliable, it\u2019s always smart to diversify your investments. Don\u2019t let your money sit in just one place. By investing across <strong>different asset classes<\/strong> like equity, debt, gold, and fixed-income options, you can strike the perfect balance between <strong>managing risk and growth<\/strong>. A well-diversified portfolio not only protects you from unexpected risks but also unlocks the potential to build long-term wealth. Because true financial power lies in making your money work smartly, not just safely.<\/p>\n\n\n\n<p>You can start investing in equity, debt &amp; gold through mutual funds starting with just Rs.100 on the <a href=\"https:\/\/lxme.in\/\" target=\"_blank\" rel=\"noreferrer noopener\">Lxme<\/a> app. All the mutual fund portfolios offered on the Lxme app are diversified, well-researched, and curated by experts.<\/p>\n\n\n\n<h2 class=\"wp-block-heading\"><span class=\"ez-toc-section\" id=\"FAQs\"><\/span>FAQs<span class=\"ez-toc-section-end\"><\/span><\/h2>\n\n\n<div id=\"rank-math-faq\" class=\"rank-math-block\">\n<div class=\"rank-math-list \">\n<div id=\"faq-question-1744275439843\" class=\"rank-math-list-item\">\n<h3 class=\"rank-math-question \"><span class=\"ez-toc-section\" id=\"How_can_women_maximize_returns_by_utilizing_these_post_office_savings_schemes\"><\/span><strong>How can women maximize returns by utilizing these post office savings schemes?<\/strong><span class=\"ez-toc-section-end\"><\/span><\/h3>\n<div class=\"rank-math-answer \">\n\n<p>Post Office savings schemes offer interest in a range of 6-8%which is not sufficient to beat inflation. To maximize returns, women should diversify by also investing in equity mutual funds, which offer inflation-beating growth. A balanced mix of fixed-income, equity and gold investments ensures long-term financial success.<\/p>\n\n<\/div>\n<\/div>\n<div id=\"faq-question-1744275507671\" class=\"rank-math-list-item\">\n<h3 class=\"rank-math-question \"><span class=\"ez-toc-section\" id=\"Which_eligibility_criteria_and_application_steps_are_involved_for_these_schemes\"><\/span><strong>Which eligibility criteria and application steps are involved for these schemes?<\/strong><br><span class=\"ez-toc-section-end\"><\/span><\/h3>\n<div class=\"rank-math-answer \">\n\n<p>Eligibility varies by scheme, but generally, Indian residents can apply. Some schemes, like Sukanya Samriddhi Yojana, are for girl children, while SCSS is for senior citizens (60+ years).<\/p>\n\n<\/div>\n<\/div>\n<\/div>\n<\/div>\n\n\n<script type=\"application\/ld+json\">\n{\n  \"@context\": \"https:\/\/schema.org\",\n  \"@type\": \"FAQPage\",\n  \"mainEntity\": [{\n    \"@type\": \"Question\",\n    \"name\": \"How can women maximize returns by utilizing these post office savings schemes?\",\n    \"acceptedAnswer\": {\n      \"@type\": \"Answer\",\n      \"text\": \"Post Office savings schemes offer interest in a range of 6-8%which is not sufficient to beat inflation. To maximize returns, women should diversify by also investing in equity mutual funds, which offer inflation-beating growth. 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Some schemes, like Sukanya Samriddhi Yojana, are for girl children, while SCSS is for senior citizens (60+ years).\"\n    }\n  }]\n}\n<\/script>\n\n\n\n<p>Further read:<\/p>\n\n\n\n<ul class=\"wp-block-list\">\n<li><a href=\"https:\/\/lxme.in\/best-saving-schemes-for-women-in-india\/\" target=\"_blank\" rel=\"noreferrer noopener\">8 Best Saving Schemes for Women in India<\/a><\/li>\n<\/ul>\n\n\n\n<ul class=\"wp-block-list\">\n<li><a href=\"https:\/\/lxme.in\/what-is-nfo-and-how-can-investors-benefit-from-it\/\" target=\"_blank\" rel=\"noreferrer noopener\">What Is NFO and How Can Investors Benefit from It?<\/a><\/li>\n<\/ul>\n\n\n\n<ul class=\"wp-block-list\">\n<li><a href=\"https:\/\/lxme.in\/what-is-rera-in-real-estate\/\" target=\"_blank\" rel=\"noreferrer noopener\">What is RERA in Real Estate and what are its benefits?<\/a><\/li>\n<\/ul>\n","protected":false},"excerpt":{"rendered":"<p>In our Lxme community, we often get questions from women like: Where should I save my money where it will be safe &amp; offer guaranteed returns? For all those ladies this blog is for you. The Indian Post Office offers a variety of post office savings schemes designed to help women build wealth securely and <a href=\"https:\/\/lxme.in\/v1\/post-office-savings-schemes-for-women\/\" class=\"more-link\">&#8230;<span class=\"screen-reader-text\">  5 Post Office Schemes for Women and their Benefits<\/span><\/a><\/p>\n","protected":false},"author":10,"featured_media":15722,"comment_status":"closed","ping_status":"open","sticky":false,"template":"","format":"standard","meta":{"inline_featured_image":false,"footnotes":""},"categories":[655],"tags":[1023,1021,1020,1019,1022,1018],"class_list":["post-15718","post","type-post","status-publish","format-standard","has-post-thumbnail","hentry","category-saving","tag-best-post-office-scheme-for-ladies","tag-post-office-ladies-scheme","tag-post-office-mahila-scheme","tag-post-office-saving-scheme-for-women","tag-post-office-scheme-for-ladies","tag-post-office-scheme-for-women"],"acf":[],"_links":{"self":[{"href":"https:\/\/lxme.in\/v1\/wp-json\/wp\/v2\/posts\/15718","targetHints":{"allow":["GET"]}}],"collection":[{"href":"https:\/\/lxme.in\/v1\/wp-json\/wp\/v2\/posts"}],"about":[{"href":"https:\/\/lxme.in\/v1\/wp-json\/wp\/v2\/types\/post"}],"author":[{"embeddable":true,"href":"https:\/\/lxme.in\/v1\/wp-json\/wp\/v2\/users\/10"}],"replies":[{"embeddable":true,"href":"https:\/\/lxme.in\/v1\/wp-json\/wp\/v2\/comments?post=15718"}],"version-history":[{"count":6,"href":"https:\/\/lxme.in\/v1\/wp-json\/wp\/v2\/posts\/15718\/revisions"}],"predecessor-version":[{"id":16569,"href":"https:\/\/lxme.in\/v1\/wp-json\/wp\/v2\/posts\/15718\/revisions\/16569"}],"wp:featuredmedia":[{"embeddable":true,"href":"https:\/\/lxme.in\/v1\/wp-json\/wp\/v2\/media\/15722"}],"wp:attachment":[{"href":"https:\/\/lxme.in\/v1\/wp-json\/wp\/v2\/media?parent=15718"}],"wp:term":[{"taxonomy":"category","embeddable":true,"href":"https:\/\/lxme.in\/v1\/wp-json\/wp\/v2\/categories?post=15718"},{"taxonomy":"post_tag","embeddable":true,"href":"https:\/\/lxme.in\/v1\/wp-json\/wp\/v2\/tags?post=15718"}],"curies":[{"name":"wp","href":"https:\/\/api.w.org\/{rel}","templated":true}]}}