Post Office Schemes Map: NSC, MIS, KVP, PPF Strategic Guide
Complete guide to post office savings schemes in India. Master NSC tax benefits, MIS income planning, KVP capital doubling, and PPF wealth creation for optimal portfolio construction.
Published September 19, 202515 min read
Post Office Schemes Map: NSC, MIS, KVP, How to Use Them
Post office products are the backbone for conservative savers. Use the right one for the right job.
NSC
- 5 year fixed income with 80C eligibility. Interest is taxable but deemed reinvested for 80C till final year.
MIS
- MIS pays monthly income from a fixed deposit‑like pool. Use for regular cash flow, not for growth.
KVP
- KVP aims to double money in a stated period. No 80C and interest is taxable.
Tips
- Consider joint holding for succession clarity.
- Match product lock in to your goal date.
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