Top 6 Small Savings Scheme with Highest Interest Rates

Are you looking for Small savings scheme with highest interest rates? If you are looking for a guaranteed return on your investment then small savings schemes are the best investment options in India. Besides them you can also save your money in your savings account and get a good interest rate. Recently RBL bank has started providing highest interest rates on savings accounts deposits.

Top 6 Small Savings Scheme with Highest Interest Rates

Anyway, in this article I will share Top 6 Small Savings Scheme with Highest Interest Rates recently updated. These are very popular and well know schemes where people are investing from long time and are interest to invest in future as well.

Check out the list below.

Investment Option Interest Rate Investment Limit Tenure
Senior Citizen’s Saving Scheme 9.3% Rs 15 lakh 5 years
Sukanya Samriddhi Account 9.2% Rs 1.5 lakh a year till girl turn 21 years
NSCs (10 Year)

NSCs (5 year)



No limit 10 years

5 years

Kisan Vikas Patra 8.7% No limit At least for 30 months
PPF (Public Provident Fund) 8.7% Rs 1.5 lakh a year 15 years
Post Office time deposits


No limit

1-5 years

Among them the interest rate for Sukanya Samriddhi account will be revised in next year. Rest all are all popular schemes only. You can also check in detail about various other post office small deposit schemes here.

Tips to invest in Small Savings Scheme with Highest Interest Rates

When it is investment for long term, I believe there is only 1 tips is available. That is simply invest whatever your amount it is in the scheme where you are comfortable to invest. Some people will say investing in stock market will give highest return and some will say bank fixed deposit schemes are best.

But I think it’s completely depend up on your understanding of the product, the target you want to achieve. The bottom line is, if you are planning to make a corpus for long term, then choose the product you are comfortable with and invest regularly on that without bothering anything.

Off-course, if you are able to take some risk then investing in stock marketing via SIP mutual fund way is always the best option. But if you are not comfortable, then choose any one of the above mentioned Small Savings Scheme with Highest Interest Rates and start investing from today only. 🙂

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  2. Article covers almost all risk free investment instrument. And even we would suggest to opt for SIP with small amount, So that beginner can get hang of Mutual fund and can start investing much more to achieve better returns.

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