Post Office Investment Scheme: There are only two days left for the month of March to end and after that the new financial year will start. Meanwhile, if you are looking for an investment option, then you can invest in some high return (Tax Planning 2025) schemes of the post office. Under investment in these schemes of post office, you will also get the benefit of tax benefits. Let us know about these bumper schemes of post office through the news.
The concern of taxpayers starts increasing even before the start of the new financial year. In such a situation, every taxpayer is looking for options for investment for the purpose of saving tax. Now you are not going to get this opportunity after March 31 for tax savings. If you also want to save tax under investment, then today we are going to tell you about some of the best schemes of post office (Best Post Office Schemes) which can prove to be helpful for you in saving tax along with giving you great returns.
Benefits of Public Provident Fund Scheme-
By investing Rs 10 lakh in a 5-year FD of the post office, with interest for 15 years, you can get Rs 30,48,297, out of which Rs 20,48,297 will be in the form of interest only.
You must be aware of the Public Provident Fund Scheme of the post office. This scheme is very popular among investors. In this scheme, you get interest at the rate of 7.1 percent and this scheme matures after 15 years.
Under investment in this scheme, a minimum of 500 and a maximum of 1.5 lakh rupees can be deposited in a financial year. Let us tell you that this scheme is kept in the EEE category, due to which investors in this scheme get bumper returns, maturity, and tax benefits (Tax Saving Schemes).
For example, if you invest Rs 10 lakh in the Post Office Public Provident Fund Scheme at the rate of 7.1 percent interest for 15 years, then on maturity it will become around Rs 30 lakh. This means that you will get a return of about Rs 20 lakh.
Invest in Sukanya Samriddhi Yojana-
If you want, you can invest in Sukanya Samriddhi Scheme, but the condition for this is that your daughter’s age should be within 10 years. Under this scheme, you get up to 82 percent interest. Under investment in this scheme, you can deposit from Rs 260 to Rs 1.5 lakh annually. If you deposit money for 15 years, then the entire investment amount including interest is returned when the daughter turns 21. In this, tax exemption is available on investment, interest (High Return Investment) and maturity amount.
Benefits of Post Office Time Deposit-
Post Office (Post Office Tax Benefits) Time Deposit Scheme is also very popular among investors and it is also called Post Office FD. If you invest in this FD of Post Office, then you can save tax in it. For this, you just have to invest in 5-year FD. Let us tell you that tax benefits are also available on 5-year FD. If you invest in Post Office FD, then you get up to 7.5 percent interest for 5 years. However, it does not allow claiming a tax deduction of up to Rs 1.5 lakh.
Senior Citizens Savings Scheme is the best-
Senior Citizens Savings Scheme has been launched especially for senior citizens. In this scheme, senior citizens can also save tax (Tax Planning 2025) by investing for 5 years. In this scheme, you can start investing with just Rs 1,000 and can invest up to a maximum of Rs 30 lakh. Talking about interest rates, the interest on this scheme is up to 8.2 percent. In this too, you can avail tax exemption under 80C on an investment of up to Rs 1.5 lakh annually.
