With investors increasingly seeking safe avenues that offer steady returns, Post Office small savings schemes are gaining renewed attention amid rising online fraud concerns and low bank interest rates, according to various reports. Government-backed Post Office schemes are considered among the safest investment options, combining security with competitive interest rates.

Post Office Recurring Deposit (RD) Scheme

The Post Office Recurring Deposit (RD) Scheme allows individuals to build a sizeable corpus through small, regular monthly investments. The scheme is fully government-backed, making it a risk-free savings option for long-term financial planning.

Higher interest rates than bank FDs

The Post Office RD scheme currently offers an annual interest rate of 6.7 per cent, compounded qu

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