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Post Office Saving Schemes: Investments With Higher Returns Than Post Office Schemes

Read this blog to know more about the 9 different Post Office Saving Schemes. Know who can invest in Post Office Savings Schemes and understand the returns the schemes generate. Find out how Cube Wealth gives you access to alternatives to Post Office Savings Schemes.
November 8, 2024
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Post Office Savings Schemes include a broad umbrella of investment options that are designed to offer predictable returns between the range of 4 to 7.6%. 

A majority of Post Office Savings Schemes are considered relatively safer than other assets like NPS even though both these investments are backed by the government.  

However, the returns generated by several Post Office Savings Schemes have fallen drastically over the past few decades. Therefore a lot of investors want to find alternatives to these schemes. 

This blog will examine Post Office Savings Schemes and the historical trajectory of their returns. Finally, we'll compare the schemes with assets like liquid funds, debt funds, and alternative assets.  

List Of Post Office Saving Schemes

1. Post Office Savings Account (SB)​​​​

A Post Office Savings Account is similar to a regular savings account. It can be opened by an Indian citizen with valid KYC proof. The rule is simple - 1 PAN card = 1 account. The account options include: 

  • Single account
  • Joint account

The account opening privileges also extend to:

  • Minors above 10 years
  • Guardians (for children)
  • Guardians (for people with mental health issues)

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