GUIDESINVESTMENTS
Top 6 Post Office Saving Schemes for Your Boy Child
5 MIN • 
LAST EDITED BY SAYAN DAS ON DECEMBER 24, 2025.
LAST EDITED BY SAYAN DAS ON DECEMBER 24, 2025.
GUIDES LAST EDITED BY SAYAN DAS ON DECEMBER 24, 2025.
Post Office saving schemes have long been trusted by Indian families for their safety, affordability, and government backing. Designed to promote disciplined savings, these schemes are especially suitable for long-term goals such as a child’s education and overall financial security.
With low entry barriers and assured returns, they offer parents a dependable way to start investing early for their son’s future.
Every parent wants to secure a brilliant future for their children. In order to ensure a better future for your kids, saving enough money for their higher education is important, enabling them to fulfill their career aspirations. To achieve this, investing in a good savings plan that will provide you with enough funds for your children is a must.
In this blog, we will explore the top 6 post office savings schemes the Government of India made available for a boy child. Let’s dive in!
Important Note: In order to open an account for a minor boy below 10 years requires the consent of his parents/guardian. A minor boy who is 10 years or older can open the account in his name.
The Tamil Nadu government introduced the Ponmagan Podhuvaippu Nidhi Scheme in 2015 as a social welfare initiative aimed at male children from economically weaker sections of the state. The scheme operates through the Post Office and aims to provide financial assistance to these students by allowing them to earn high interest on their contributions towards building a corpus for educational expenses.
The Public Provident Fund (PPF) is a long-term investment scheme offered by the Government of India which was introduced in 1968. It aims to provide individuals with a safe and secure savings option, while also promoting a culture of long-term financial planning and investment among the general public.
The Government of India offers the National Savings Certificate ( NSC ) as a fixed-income investment option. It is a popular savings scheme that helps small and mid-level investors save money while enjoying guaranteed returns. The scheme is designed to contribute to the future finances of a boy child and can be purchased from post offices across India. The NSC has a fixed maturity period of five years.
Kisan Vikas Patra (KVP) is a savings scheme the Government of India offers to promote long-term savings among individuals, particularly in rural areas. It is a fixed-income investment option that provides a safe and secure way to invest money while earning guaranteed returns. KVP can be purchased from post offices across India and has a fixed maturity period.
The Post Office Recurring Deposit (RD) is a savings scheme offered by the Indian postal system. It enables parents/guardians to save money systematically by making regular monthly deposits for the future of their boy child. The interest on RD is compounded quarterly, helping the savings grow over time.
Post Office Monthly Income Scheme (POMIS) is a government-backed investment scheme offered by the post office. It is a fixed income scheme that provides individuals with a regular monthly income. The scheme has a tenure of 5 years and offers capital protection, making it a low-risk investment option.
To sum up, several post office savings schemes in India are tailored to benefit boys, promoting financial security, funding for education, and long-term savings for their future. By utilizing these schemes, parents can proactively secure a brighter and more secure future for their boy child.
To find the best one, you must compare these schemes with the help of their return rates, maturity period, and so on. It will help you in select a scheme as per your needs. National Savings Scheme, Kisan Vikas Patra, and Public Provident Fund are some of the popular investment schemes in Post Office. To figure out the one that works best for you, consider factors like timelines, investment options and your financial goals.
Yes, you can open a post office account for your child. If you have a post office account, you may also invest in multiple post office saving schemes introduced by the government such as National Savings Certificate, Post Office Recurring Deposit, Post Office Monthly Income Scheme (POMIS), etc, to secure the future of your children.
Investing in post office schemes is preferred by many due to the safety it provides and the tax deductions it can come with. Under section 80C, investors can claim tax deductions up to Rs. 1.5 Lakhs by investing in post office schemes.
There's no such guarantee. But most post office savings schemes like Kisan Vikas Patra offer higher return rates than a bank savings account. And some, like PPF, come with added tax benefits too.
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