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There’s more to the post office than the little red post box. It is a veritable shopping center of investment products. Not only do they offer returns on par with other fixed income instruments, but are also solidly backed by government assurance – the highest credit rating that you can get in India. Flexibility, easy transferability, tax benefits, good returns - the post office delivers it all.

Post Office Savings Bank-included in the Union List vide item No. 39 of Seventh Schedule of the Constitution of India.

Various Schemes framed by the Central Government under :

  • Government Savings Bank Act, 1873,
  • Government Savings Certificates Act, 1959,
  • Public Provident Fund Act, 1968.
Two non-statutory schemes- introduced through executive orders.


Small savings schemes are designed to provide safe & attractive investment options to the public and at the same time to mobilise resources for development.


These schemes are operated through about 1.54 Lakh post offices throughout the country.

Public Provident Fund Scheme is also operated through about 8000 branches of public sector banks in addition to the post offices.

Deposit Schemes for Retiring Employees are operated through selected branches of public sector banks only.


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