Post Office Savings Schemes
Recurring Deposit (RD)
Build a regular savings habit through monthly deposits over a fixed tenure. Post Office RD is designed for individuals who prefer disciplined saving through small, periodic contributions.
Suitable for: Regular monthly savers.
National Savings Certificate (NSC)
A government-backed small-savings instrument offering a fixed investment tenure and interest as per applicable scheme rules. Eligible investments may qualify for tax benefits under prevailing tax provisions.
Suitable for: Goal-based savings over a defined period.
Monthly Income Scheme (MIS)
Invest a lump sum and receive interest payouts monthly as prescribed under the scheme. It can be considered by eligible investors seeking a regular interest income stream.
Suitable for: Investors seeking periodic income.
Time Deposit (TD)
Invest a lump sum for a selected tenure under the Post Office Time Deposit scheme. Interest rates and applicable tax treatment depend on the tenure, prevailing rules and the investor’s circumstances.
Suitable for: Fixed-tenure savings.
Kisan Vikas Patra (KVP)
A small-savings certificate designed to grow an eligible lump-sum investment over the applicable maturity period, as determined by prevailing scheme rules and notified rates.
Suitable for: Long-term savings with a defined maturity framework.
Disclaimer – Important Information: Product features, interest rates, eligibility, tenure, taxation and withdrawal conditions are subject to prevailing scheme rules and issuer terms. Interest rates and tax provisions may change. Corporate deposits involve issuer-specific credit risk. Investments and borrowing decisions should be made after reviewing the relevant product documents and assessing individual financial circumstances. MBS Investments facilitates access only to products and services for which it holds the applicable permissions or authorised distribution arrangements. Tax-related decisions should be reviewed with a qualified tax professional where appropriate.
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