Post Office scheme: This scheme gives 35 lakh rupees, only 50 rupees have to be invested daily!


Investing for the future and keeping yourself safe is the need of the hour. While the key aspect of choosing any investment option is to get the best returns, in more volatile times, the safer investment bet becomes the preferred option.

One such scheme that is safe and guarantees great returns is the Post Office Gram Suraksha Yojana. With an investment of Rs 50 per day or Rs 1500 per month, one can choose a plan that gives Rs 35 lakh on maturity.

Investing in this plan can be started early in adulthood. People in the age group of 19 to 55 years are eligible to invest in this scheme.


Scheme Details

The premium paying term under this policy has been kept at 55, 58, and 60 years. An individual is Rs 1,515 per month for a term of 55 years, Rs 1,463 per month for 58 years, and Rs 1,411 per month for 60 years.

For a tenure of 55 years, an investor will receive an amount of Rs 31.60 lakh on maturity. This amount will be Rs 33.40 lakh for withdrawal after 58 years and Rs 34.60 lakh after 60 years.

The minimum sum assured under the scheme is Rs 10,000 and the maximum is Rs 10 lakh. Money can be deposited in three payment term options - monthly, quarterly, or annually. The plan offers a grace period of 30 days in case of emergency.


An individual can surrender the policy after 3 years from the date of investment. However, if you surrender before 5 years, you will be ineligible for the bonus. The scheme also provides a loan facility after 4 years. The last announced bonus under the scheme was Rs 60 per 1000 per annum. For more details, you can check the official post office page of the scheme.