Post Office Schemes for Boy Child – 6 Post Office Saving Plans for Boy Child that You Can opt in 2025
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There are various lucrative saving schemes – post office child plans and prime minister schemes for boy child introduced by the Government of India for parents to secure the future of their children. If you are also looking for any such plan, i.e; post office scheme for boy child, we have all the details read on.
Securing a brilliant future for their children is what every parent seeks. To ensure a better future for your kids it is important that you save enough for their higher education to help them fulfill their career aspirations. For this, you must invest in a good savings plan so that you can have enough money for your children when required. There are many investment plans for girl child, but in case you are looking for saving scheme for boy child offered by the Government of India, you can find some available with post offices spread across all the towns and cities in the country as well as with many commercial banks. These post office schemes for boy child (पोस्ट ऑफिस चिल्ड्रन प्लान) are loaded with the best features and benefits.
Intro to Indian Post Office Saving Schemes
Post Office Saving Schemes are introduced by IndiaPost, which is a government of India initiative. These post office schemes for boy child (पोस्ट ऑफिस चिल्ड्रन प्लान) are available in all the post offices spread across the country. Hence, these are easily accessible plans which cater to the needs of rural and urban populations. These schemes allow better interest rates on deposits and are zero risk plans offered by the Government. Many of these post office child plans for boy also allow tax benefits under Section 80C of Income Tax Act,1961.
In this blog, we are bringing to your knowledge some such postal saving schemes for minor boys in India to help you understand them and to plan for better investments for your child. Along with the national plans, there are many good plans introduced by the state governments across India to help parents make good investments.
Top 6 Post Office Scheme for Boy Child 2025 in India
Here we are bringing you the 6 best Post Office Saving Schemes for boy child to help you consider them as per your requirement as well as the risks and long-term returns available with the schemes.
You may note here that to open an account for a minor boy below 10 years, needs to be done through his parents/guardian. A minor boy who is 10 years or above can open the account in his name.
1. National Savings Certificate (NSC)
This is a low-risk fixed income scheme offered by the government and is available with the post-offices across India. This post office saving scheme for boy child is loaded with best features and benefits to aptly suit your child’s needs. It facilitates a fixed income and guaranteed returns plan to generate the best revenues. This plan is currently available at 6.8% rate of interest per annum.
National Savings Certificate (NSC) Plan Details:
| Features of National Savings Certificate (NSC) | Benefits of National Savings Certificate (NSC) |
| Minimum investment – INR 1000 | The plan offers higher fixed return on investment as compared to FDs |
| Maximum investment – No Max. Limit | Offer Tax benefits under section 80C |
| Interest Rate – 7.7% Annum | Available at an initial investment of INR 1,000, which is very less |
| Lock in tenure – 5 years | The Plan is available with a maturity period of 5 years |
| Tax Benefits – Up to INR 1.5 lakh (as per Section 80C of Income Tax) | No TDS allowed so the insured can obtain full value at maturity |
More details on National Savings Certificate (NSC) Plan:
| Interest rate 2024 | 7.7 % per annum (Update it) | |
| Risk profile | Low-risk plan | |
| Loan |
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| Nomination facility | Available |
2. Ponmagan Podhuvaippu Nidhi Scheme
The department of post, Tamil Nadu introduced the Ponmagan Podhuvaippu Nidhi Scheme in the year 2015, especially meant for the male child. The account for this post office savings scheme for boy child can be opened through a parent/guardian for a minor boy below 10 years of age, while minor boys above 10 years can open the account on their own name. This special plan is limited to the residents of Tamil Nadu only and can be availed by parents before their son attains 10 years of age.
Ponmagan Podhuvaippu Nidhi Scheme Plan Details:
| Features of Ponmagan Podhuvaippu Nidhi Scheme (PPNS) | Benefits of Ponmagan Podhuvaippu Nidhi Scheme (PPNS) |
| Minimum investment – INR 500 | The plan offers ways to increase your income |
| Maximum investment – INR 1.5 lakh | Offer Tax benefits under section 80C |
| Interest Rate – 9.70% | Nomination facility available, so you can nominate your beneficiary |
| Maturity Period – 15 years | Payments can be made in lump sum or in 12 small installments |
| Tax Benefits – Available under Section 80C of Income Tax | Parents can avail loan facility from fourth year of the account |
More details on Ponmagan Podhuvaippu Nidhi Scheme Plan:
| Who is eligible? | – Should be a male child, a native of Tamil Nadu, and from an economically weaker section of society
– If below 10 years, a guardian can open the account on behalf of the child If above 10 years, the child can open the account on his own |
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| Any age limits? | No | |
| What is the account type? | Single account | |
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Can be paid as a lump sum or in 12 installments | |
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Only from 7th year of buying the plan |
3. Post Office Monthly Income Scheme (POMIS)
Post office monthly income scheme or POMIS is a saving scheme for boy child where you can earn a fixed monthly interest by investing a certain amount. This scheme is easy to open in any post office across the country and is packed with features and benefits. For this scheme, the one key requirement is to have a post office savings account.
Post Office Monthly Income Scheme (POMIS) Plan Details:
| Features of Post Office Monthly Income Scheme (POMIS) | Benefits of Post Office Monthly Income Scheme (POMIS) | |
| Minimum investment – INR 1000 | The plan offers capital protection until the policy matures | |
| Maximum investment – Increased up to INR 9 lakhs | This is a low risk plan and allow safe investment option | |
| Interest Rate – 7.4% Annum | The deposit amount is easily affordable and thus the policy suits people in fulfilling their needs | |
| Maturity Period – 5 years | The plan allows guaranteed return on investment | |
| Tax Benefits – TDS is not applicable but sum invested is not covered under Section 80C |
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More details on Post Office Monthly Income Scheme (POMIS) Plan:
| Maximum investment | Increased up to INR 9 lakhs (Pls update it) | |
| Tenure | 5 years | |
| Multiple accounts available |
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| Risk | Low-risk investment |
4. Kisan Vikas Patra (KVP)
Kisan Vikas Patra or KVP is an apt plan that suits the low income as well as the middle-class income families in India. This is a short-term post office saving scheme for boy child in India that permit parents to invest on a particular lump-sum money per year.
Kisan Vikas Patra (KVP) Plan Details:
| Features of Kisan Vikas Patra (KVP) | Benefits of Kisan Vikas Patra (KVP) | |
| Minimum investment – Initial deposit INR 1000 and in multiples of 100 thereof. | This is a guaranteed returns plan with zero risks | |
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The Policy help in accumulating corpus for future of your children and for meeting other needs | |
| Interest Rate – 7.5% Annum | The Policy help in accumulating corpus for future of your children and for meeting other needs | |
| Maturity Period – 10 years and 4 months | The Policy help in accumulating corpus for future of your children and for meeting other needs | |
| Lock-in Period – 30 Months |
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More details on Kisan Vikas Patra (KVP) Plan:
| Maximum investment | Initial deposit INR 1000 and in multiples of 100 thereof. (Pls update it) |
| Are KVP certificates transferable? | Initial deposit INR 1000 and in multiples of 100 thereof. (Pls update it) |
| Tax benefits | Initial deposit INR 1000 and in multiples of 100 thereof. (Pls update it) |
| Risk factor | Risk-free |
5. Post Office Recurring Deposit (RD)
This another good saving post office schemes for boy child in India. This is a recurring deposit plan that offer high rate of interest as compared to regular saving account in a bank. Under this scheme, parents can save a particular amount in the account every month for 5 years.
Post Office Recurring Deposit (RD) Plan Details:
| Features of Post Office Recurring Deposit (RD): | Benefits of Post Office Recurring Deposit (RD): |
| Minimum investment – INR 100 | The plan is available with limited restrictions |
| Maximum investment – No Upper Limit | Transfer of funds is also possible from RD account to savings account |
| Interest Rate – 6.2% Annum | Transfer of funds is also possible from RD account to savings account |
| Maturity Period – 5 years | Parents can save an amount in the account every month for 5 years (with no limitation) |
| Maturity Period – 5 years | Parents can save an amount in the account every month for 5 years (with no limitation) |
More details on Post Office Recurring Deposit (RD) Plan:
| Eligibility | Indian citizen over 18 years of age
Minors above 10 years |
| Payment | Cheque or cash |
| Withdrawal | 50% can be withdrawn after 1 year of opening the account |
| Risk factor | Risk-free |
6. Public Provident Fund (PPF)
Public Provident Fund or PPF is the best saving plan for child that can be used as a post office scheme for a male child in India that helps parents to save on taxes as well. PPF is a long-term plan of investment available at an attractive rate of interest and offers good returns on investment.
Public Provident Fund (PPF) Plan Details:
| Features of Public Provident Fund (PPF): | Benefits of Public Provident Fund (PPF): | |
| Minimum investment – INR 500 | This is a low risk plan | |
| Maximum investment – INR 1.5 lakh | Transfer of funds is also possible from RD account to savings account | |
| Maximum investment – INR 1.5 lakh | The plan allow parents to take loan against the invested amount from 3rd year of the policy | |
| Tax Benefit – up to INR 1.5 lakh under Section 80C of Income Tax Act, 1961 | Transfer of funds from PPF to other accounts is available under this savings scheme | |
| Lock-in Period – 15 Years |
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More details on Public Provident Fund (PPF) Plan:
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INR 100 per month | |
| Deposit frequency | Once a year | |
| Deposit mode |
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| Partial withdrawal | Available after 7 years of buying the plan | |
| Risk factor | Risk-free |
Benefits of Post Office Saving Schemes for Your Boy Child
The biggest benefit of availing the post office savings schemes is that they are backed by the Indian government. This sovereign guarantee of the government is the best thing about Post Office savings schemes.
Here are some benefits of Post Office Saving Schemes for Your Boy Child:
- These schemes are simple to purchase and need minimal documentation
- These schemes offer fixed returns
- They are easily accessible for both rural and urban investors
- They are mostly risk-free avenues of investments and future-oriented as well
- They are well-suited to serve your future investment purposes like pension plans as some of the schemes are of 15 years term
- These schemes are mostly risk-free and offer interest rates within 4 to 8%
- These schemes cater to the needs of different investors with benefits like tax savings and guaranteed returns
Post Office Schemes for Boy Child 2025 in India
Below are the Best Post Office Saving Schemes for Boy Child in India in 2025:
# Ponmagan Podhuvaippu Nidhi Scheme.
# Kisan Vikas Patra (KVP)
# Post Office Monthly Income Scheme (POMIS)
# Post Office Recurring Deposit.
# Public Provident Fund (PPF)
# National Savings Certificate (NSC)
To open a post office account in his own name, a boy child has to be above the age of 10 years. Children below the age of 10 can have their accounts opened by parents on behalf of their boy child. While opening the account, you need to have a minimum deposit of at least Rs. 500, while there is no maximum limit of amount to be deposited.
Below are the key benefits:
# The Interest earned in a post office savings account is tax free up to Rs 10,000 per year.
# Income tax benefits can be earned under section 80L of the Income Tax Act.
# You can transfer the account from one post office to another.
# You can convert your single accounts into joint accounts and vice versa.
Different policies of the post office are available at different interest rates that can range from 4% to 7.6 % depending on the policy.
Below are some of the best Child Investment Plans in India in 2025:
# Child Insurance Plans.
# Gold ETF/ Funds.
# Fixed Deposits(FD)
# Unit Linked Insurance Plan (ULIP)
# Post Office Savings Schemes.
# Public Provident Fund (PPF)
# Stocks & Mutual Funds.
The monthly income scheme interest rate of the post office is up to 6.6% annual interest every month that an investor can earn.
In terms of interest rate below are a few best schemes for post offices in 2025:
# National Savings Monthly Income Account with 6.6% interest rate per annum.
# National Savings Recurring Deposit Account with 5.80% interest rate
# National Savings Time Deposit Account with interest rate between 5.5% – 6.7%
# Public Provident Fund Account (PPF) with 7.1% interest rate per annum
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Paybima Team
Paybima is an Indian insurance aggregator on a mission to make insurance simple for people. Paybima is the Digital arm of the already established and trusted Mahindra Insurance Brokers Ltd., a reputed name in the insurance broking industry with 17 years of experience. Paybima promises you the easy-to-access online platform to buy insurance policies, and also extend their unrelented assistance with all your policy related queries and services.
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