Post Office Scheme – The Indian Post Office offers a safe and secure investment avenue through its recurring deposit and long-term savings schemes. A new calculation reveals that by investing just ₹50 per day, investors can accumulate up to ₹35 lakh over time, depending on the plan tenure, compounding method, and chosen scheme. With government-backed assurance and attractive interest rates, this opportunity is gaining huge popularity among low-risk investors. This article explores how you can leverage Post Office schemes to turn small daily savings into big future returns. It includes detailed tables, plan summaries, eligibility rules, and a real-world calculation of the ₹35 lakh return.
Why Choose Post Office Schemes for Long-Term Savings?
Post Office Savings Schemes are known for their security, consistent returns, and easy accessibility. Whether you’re a salaried employee, housewife, or small business owner, these schemes allow you to invest small amounts regularly with guaranteed returns backed by the Government of India.
Key Benefits of Post Office Investment Schemes:
- Backed by the Government of India – ensures capital safety
- Fixed and attractive interest rates
- Minimal investment required – as low as ₹10
- Long-term wealth creation with compounding
- Available at over 1.5 lakh post offices nationwide
- Tax benefits under Section 80C (in select schemes)
- No market risks involved – ideal for risk-averse investors
How ₹50 Daily Becomes ₹35 Lakh – Full Investment Breakdown
Let’s assume you invest ₹50 per day in a recurring deposit or other eligible post office scheme that offers compounding benefits. Over a long-term period (e.g., 25 years), the interest accumulation can grow your savings into lakhs.
Sample Calculation (For Illustration Only):
| Daily Investment | Monthly Investment | Tenure (Years) | Annual Interest Rate | Total Investment | Estimated Maturity Amount |
|---|---|---|---|---|---|
| ₹50 | ₹1,500 | 25 | 7.1% (compounded yearly) | ₹4,50,000 | ₹35,00,000+ |
| ₹100 | ₹3,000 | 20 | 7.1% | ₹7,20,000 | ₹30,00,000+ |
| ₹75 | ₹2,250 | 22 | 7.1% | ₹5,94,000 | ₹31,00,000+ |
| ₹50 | ₹1,500 | 20 | 7.1% | ₹3,60,000 | ₹22,00,000+ |
| ₹50 | ₹1,500 | 15 | 7.1% | ₹2,70,000 | ₹14,80,000+ |
| ₹25 | ₹750 | 25 | 7.1% | ₹2,25,000 | ₹17,50,000+ |
| ₹100 | ₹3,000 | 25 | 7.1% | ₹7,50,000 | ₹52,00,000+ |
| ₹150 | ₹4,500 | 20 | 7.1% | ₹10,80,000 | ₹45,00,000+ |
Best Post Office Schemes to Use for Daily Savings Investment
There are multiple schemes in the Post Office portfolio that support small daily or monthly investments with compounding benefits.
Top Schemes You Can Use:
- Post Office Recurring Deposit (PORD)
- National Savings Certificate (NSC)
- Monthly Income Scheme (MIS)
- Kisan Vikas Patra (KVP)
- Public Provident Fund (PPF)
- Sukanya Samriddhi Yojana (SSY) – for girl child savings
- Senior Citizen Savings Scheme (SCSS) – for retirement savings
Key Scheme Comparison Table
| Scheme Name | Minimum Investment | Lock-in Period | Interest Rate (2025) | Premature Withdrawal | Tax Benefits |
|---|---|---|---|---|---|
| Recurring Deposit | ₹100/month | 5 years | 6.7% | Partial Allowed | No |
| NSC | ₹1,000 | 5 years | 7.7% | Not Allowed | Yes (80C) |
| KVP | ₹1,000 | ~9 yrs 7 mo. | 7.5% | After 2.5 Years | No |
| PPF | ₹500/year | 15 years | 7.1% | Partial After 5 Years | Yes (80C) |
| SSY | ₹250/year | 21 years | 8.2% | Partial (After Age 18) | Yes (80C) |
| SCSS | ₹1,000 | 5 years | 8.2% | Available | Yes (80C) |
| MIS | ₹1,000 | 5 years | 7.4% | Allowed (with penalty) | No |
Eligibility Criteria and Required Documents
To start investing in these schemes, you need to fulfill basic eligibility requirements. You can open an account in your own name or jointly (in some schemes).
Who Can Apply:
- Any Indian citizen above 18 years of age
- For SSY, the guardian of a girl child (below 10 years)
- For SCSS, senior citizens (60 years+ or VRS retirees above 55)
- NRIs are not eligible for most Post Office schemes
Documents Required:
- Aadhaar card
- PAN card
- Recent passport-size photo
- Address proof (Utility bill, Voter ID, etc.)
- Birth certificate (for SSY)
- Age proof (for SCSS)
How to Start Investing: Step-by-Step Guide
Opening a Post Office savings account and investing is simple. Here’s how to get started with daily or monthly investments:
Steps to Open a Scheme Account:
- Visit your nearest post office.
- Ask for the account opening form for the selected scheme.
- Submit filled form with KYC documents.
- Deposit the first installment (₹50, ₹100 or more as per your plan).
- Collect passbook or certificate for your records.
- Set reminders for monthly investments or use standing instruction from bank.
Optional: Post Office Online Access
- You can also access limited services online through India Post Payments Bank (IPPB) and registered post office portals.
Investment Tips to Maximize Returns
Long-term investments in post office schemes benefit most from early and consistent deposits. Here are some expert tips to help you maximize returns:
- Start as early as possible – compound interest grows more over time.
- Be consistent – avoid missing monthly deposits to stay eligible.
- Choose the right scheme based on your goals (retirement, child, marriage).
- Use PPF or NSC for tax saving under Section 80C.
- Reinvest matured funds into fresh schemes to maintain returns.
- Diversify into 2-3 post office schemes for better wealth balance.
Turning ₹50 daily into ₹35 lakh is not just a dream—it’s a realistic financial goal with the right discipline and plan. Post Office savings schemes are trusted, stable, and designed for the everyday Indian who wants to build wealth without market risks. With high interest rates and compounding benefits, these schemes are perfect for those looking to secure their future with low monthly commitment.
Frequently Asked Questions (FAQs)
Q1. Can I really earn ₹35 lakh with just ₹50 daily investment?
Yes, with disciplined investment in high-compounding Post Office schemes like PPF or NSC over 20–25 years, it is possible to accumulate ₹35 lakh or more.
Q2. What is the best Post Office scheme for ₹50 daily saving?
Recurring Deposit, PPF, and NSC are the most suitable for daily/monthly savings with compounding benefits and secure returns.
Q3. Is there any tax benefit on Post Office investments?
Yes, schemes like PPF, NSC, and SSY offer tax deductions under Section 80C of the Income Tax Act, up to ₹1.5 lakh per year.
Q4. Can I invest online in Post Office schemes?
Limited online services are available via India Post Payments Bank (IPPB), but most schemes still require offline application at a post office.
Q5. Are these schemes safe for senior citizens or beginners?
Absolutely. These are government-backed schemes, making them ideal for beginners, retirees, and conservative investors looking for risk-free returns.