Which is the best post office scheme to double the money?

The Kisan Vikas Patra (KVP) is the official money double scheme in post office that guarantees to double your investment in 9 years and 7 months.

Will my money double in 5 years in a post office fixed deposit?

No, a post office fixed deposit double in 5 years is not possible at the current interest rates. The 5-year Time Deposit takes approximately 9 years and 7 months to double your money.

What is the highest interest rate offered by the post office?

The Sukanya Samriddhi Yojana (SSA) and Senior Citizens Savings Scheme (SCSS) currently offer the highest interest rate at 8.2%.

Is there any post office FD double scheme?

While there is no specific post office FD double scheme, the 5-year Time Deposit can double your money over a longer period.

Post Office Scheme to Double the Money

In general, Kisan Vikas Patra is a Post Office Scheme to Double the Money. Meanwhile, the Post Office also offers various other schemes like Public Provident Fund (PPF), National Savings Certificate (NSC), Sukanya Samriddhi Yojana (SSY), Senior Citizen Savings Scheme (SCSS), etc., for low-risk-taking investors in India in 2025. These government-backed plans not only provide guaranteed returns but also have the potential to double your money over time, making them a popular choice for long-term financial planning.

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Post Office Schemes to Double the Money

Here are the key post office schemes that can help you achieve the goal of a money double scheme in the post office.

Scheme Name	Interest Rate (as of Q3 FY 2025-26)	Years to Double the Money (Approx.)
Kisan Vikas Patra	7.50%	115 months (9 years, 7 months)
Public Provident Fund	7.10%	10 years, 1 month
Sukanya Samriddhi Yojana	8.20%	8 years, 8 months
National Savings Certificate	7.70%	10 years, 4 months
Senior Citizens Savings Scheme	8.20%	-
National Savings Time Deposit (5-year)	7.50%	9 years, 7 months
National Savings Recurring Deposit Account	6.70%	10 years, 8 months

Details of Post Office Schemes to Double the Money

Here are the details about a few Post Office Savings Schemes that can help you double your money with minimum risk.

Post Office Kisan Vikas Patra

Post Office Kisan Vikas Patra is the flagship post office double scheme designed specifically to double your investment.
- Eligibility: A single adult, joint account (up to 3 adults), or a minor above 10 years can invest.
- Deposit Limit: The minimum deposit is ₹1,000, with no maximum limit.
- Interest Rate: The current interest rate is 7.5% per annum, compounded yearly.
- Time to Double Money: Your investment doubles in 115 months, which is 9 years and 7 months.
- Tax Benefits: The investment does not qualify for tax deductions under Section 80C.
Post Office Public Provident Fund

Public Provident Fund is one of the most renowned Post Office Savings Schemes. It is a long-term savings and retirement scheme, popular for its tax benefits and compounding interest.
- Eligibility: A single resident Indian can open one account.
- Deposit Limit: The minimum deposit is ₹500, with a maximum of ₹1.5 lakh in a financial year.
- Interest Rate: The current interest rate is 7.1% per annum, compounded yearly.
- Time to Double Money: At the current rate, it would take approximately 10 years and 1 month to double your money.
- Tax Benefits: Deposits, interest, and the maturity amount are all fully tax-exempt (EEE status).
Post Office Sukanya Samriddhi Yojana

Post Office Sukanya Samriddhi Yojana is a special savings plan for the future of a girl child.
- Eligibility: A guardian can open an account for a girl child below 10 years of age.
- Deposit Limit: The minimum deposit is ₹250, with a maximum of ₹1.5 lakh in a financial year.
- Interest Rate: The current interest rate is 8.2% per annum, compounded yearly.
- Time to Double Money: At the current rate, it would take approximately 8 years and 8 months to double the investment.
- Tax Benefits: Deposits, interest, and maturity amounts are completely tax-exempt.
Post Office National Savings Certificate

The Post Office National Savings Certificate is a fixed-income investment that offers a fixed return and tax benefits for a 5-year tenure.
- Eligibility: Any resident Indian can invest in an NSC.
- Deposit Limit: The minimum deposit is ₹1,000, with no maximum limit.
- Interest Rate: The current interest rate is 7.7% per annum, compounded annually.
- Time to Double Money: It would take approximately 9 years and 4 months for your money to double.
- Tax Benefits: The investment amount is eligible for tax deduction under Section 80C up to ₹1.5 lakh.
Post Office Senior Citizens Savings Scheme

Post Office Senior Citizens Savings Scheme (SCSS) is for senior citizens and is designed to provide a steady income, while also offering a strong return on investment.
- Eligibility: Individuals aged 60 years or more, or those aged 55 who have opted for a voluntary retirement scheme.
- Deposit Limit: The minimum deposit is ₹1,000, with a maximum limit of ₹30 lakh.
- Interest Rate: The current interest rate is 8.2% per annum, payable quarterly.
- Time to Double Money: It would take approximately 8 years and 8 months to double the investment.
- Tax Benefits: The investment amount is eligible for a tax deduction under Section 80C.
Post Office National Savings Time Deposit Account

Post Office Time Deposit Scheme is a fixed deposit (FD) scheme with various tenures that can help in wealth growth.
- Eligibility: A single adult, or up to three adults in a joint account.
- Deposit Limit: The minimum deposit is ₹1,000, with no maximum limit.
- Interest Rate: The rate varies by tenure; the 5-year TD offers the highest rate of 7.5%.
- Time to Double Money: A post office fd double scheme with a 5-year tenure will take approximately 9 years and 7 months to double your investment at the current rate.
- Tax Benefits: Only the investment in a 5-year TD account is eligible for an 80C tax deduction.
Post Office National Savings Recurring Deposit Account

Post Office Recurring Deposit Account is a fixed-tenure scheme where you make regular monthly deposits.
- Eligibility: A single adult or up to three adults in a joint account can open the account.
- Deposit Limit: The minimum monthly deposit is ₹100, with no maximum limit.
- Interest Rate: The current interest rate is 6.7% per annum, compounded quarterly.
- Time to Double Money: Based on the current rate, it would take approximately 10 years and 8 months for your investment to double.
- Tax Benefits: There are no specific tax benefits under Section 80C for this scheme.

Benefits of Investing in Post Office Schemes

Investing in a post office scheme to double the money comes with several advantages:

Government Backing: All schemes are backed by the Government of India, ensuring a high level of safety and security for your investment.
Assured Returns: The interest rates are fixed at the time of investment, so returns are not subject to market fluctuations.
Potential to Double Money: These schemes provide a clear path to double your capital over a set period.
Ease of Access: Post offices are widely accessible, making it convenient for people across the country to invest.

Conclusion

The post double money scheme offered by the post office provides a secure and reliable investment avenue for everyone. While the Kisan Vikas Patra is the official post office double scheme 2025, other schemes like PPF, NSC, and SSA also offer significant returns that can help you achieve your financial goals. By choosing a plan that aligns with your needs, you can secure a financially stable future.

FAQs

Which is the best post office scheme to double the money?

The Kisan Vikas Patra (KVP) is the official money double scheme in post office that guarantees to double your investment in 9 years and 7 months.
Will my money double in 5 years in a post office fixed deposit?

No, a post office fixed deposit double in 5 years is not possible at the current interest rates. The 5-year Time Deposit takes approximately 9 years and 7 months to double your money.
What is the highest interest rate offered by the post office?

The Sukanya Samriddhi Yojana (SSA) and Senior Citizens Savings Scheme (SCSS) currently offer the highest interest rate at 8.2%.
Is there any post office FD double scheme?

While there is no specific post office FD double scheme, the 5-year Time Deposit can double your money over a longer period.

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*All savings are provided by the insurer as per the IRDAI approved insurance plan.

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^^The information relating to mutual funds presented in this article is for educational purpose only and is not meant for sale. Investment is subject to market risks and the risk is borne by the investor. Please consult your financial advisor before planning your investments.

¶Long-term capital gains (LTCG) tax (12.5%) is exempted on annual premiums up to 2.5 lacs.

**Returns are based on past 10 years’ fund performance data (Fund Data Source: Value Research).

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