Postal Savings 2026: NSC, PPF Remain Safe Amidst PF Rate Talk

• Discussions ongoing about potential changes in Provident Fund (PF) interest rates, but experts expect gradual revisions.
• National Savings Certificate (NSC) offers 7.7% annual interest, 5-year tenure, government backing, and 80C tax benefits.
• Public Provident Fund (PPF) provides 7.1% interest with EEE tax benefits, making it ideal for long-term, tax-free savings.
• Government-backed postal savings schemes like NSC and PPF continue to attract investors seeking safety and predictable returns.
• Other schemes include Post Office Savings Account (4.0%), various Time Deposits (up to 7.5%), and Senior Citizen Savings Scheme (8.2%).

Why It Matters: Government-backed postal savings like NSC and PPF offer safety and tax benefits amidst PF rate uncertainty.