Looking for a safe way to grow your savings with good returns? Post Office Gram Suraksha Yojana is a great plan for you. This scheme from the Indian Post Office lets rural citizens invest just ₹50 every day and get a lump sum of ₹35 lakh after a set period. It’s a trusted savings option without any risk, giving you security and benefits.
Overview of Post Office Gram Suraksha Yojana 2025
Post Office Gram Suraksha Yojana is a well-known savings scheme started by the Indian Postal Department. Any Indian citizen aged between 19 and 59 years can invest in this plan. By putting in ₹50 daily—you need to pay ₹1500 every month—you can earn a guaranteed return of ₹35 lakh when the plan matures. The insured person will get this amount along with bonuses when they reach 80 years old. If the insured passes away, the full invested amount goes to the nominee.
You can invest between ₹10,000 and ₹10 lakh in this scheme. It offers better returns compared to many other plans, making it a valuable option for safe investment.
Main Information About Post Office Gram Suraksha Yojana
| Scheme Name | Post Office Gram Suraksha Yojana |
| Started By | Indian Postal Department |
| Beneficiaries | Citizens from rural areas of India |
| Goal | Encourage rural citizens to save money |
| Year | 2024 |
| Application Process | Offline |
Purpose of Post Office Gram Suraksha Yojana
This scheme aims to encourage people in rural India to save money regularly and help them secure their future with a good investment plan. It offers support for better financial security through small daily contributions.
Main Features of Post Office Gram Suraksha Yojana
- Open for any citizen aged 19 to 55 years.
- Payments can be made monthly, quarterly, half-yearly, or yearly as per your choice.
- Investors get higher returns compared to other saving plans.
- Investment ranges from ₹10,000 up to ₹10 lakh.
- If you invest ₹10 lakh at 19 years old, a monthly premium of ₹1515 has to be paid till 55 years.
- For investments starting at age 58, the monthly premium is ₹1463.
- At 60 years, monthly premium payment will be ₹1411.
- Investing till 55 years gives ₹31.60 lakh on maturity.
- Investing until 58 years offers ₹33.40 lakh at maturity.
- Investing till 60 years yields ₹34.40 lakh at maturity.
- The lump sum amount is paid when the insured reaches 80 years old.
- If the investor dies, the full invested money goes to the nominee.
- You can surrender the policy after 3 years but without any benefits.
- Premiums can be paid monthly, quarterly, half-yearly, or yearly with a 30-day grace period for payments.
Life Insurance Benefits in Post Office Gram Suraksha Yojana
By investing ₹1500 monthly, you can get returns between ₹31 lakh to ₹35 lakh and enjoy life insurance coverage. You can also apply for a loan against the deposited amount after 4 years of investment.
Benefits of Post Office Gram Suraksha Yojana
- Open to all rural citizens including laborers and women.
- Minimum daily investment of ₹50 makes it affordable for many.
- Provides full life insurance cover for the investor.
- You can change the plan into an endowment insurance policy anytime.
- Bonuses are given along with the maturity amount.
- Flexible premium payment options till age 55, 58, or 60.
- Partial surrender bonus benefits are available if you surrender the policy midway.
- Death benefit is given to family or nominee if the investor passes away unexpectedly.
Eligibility for Post Office Gram Suraksha Yojana
- Applicant must be an Indian citizen.
- Age should be between 19 and 55 years.
- All types of citizens can apply.
Documents Required
- Aadhaar Card
- PAN Card
- Income Certificate
- Residence Proof
- Bank Account Details
- Passport Size Photograph
- Mobile Number
How to Apply for Post Office Gram Suraksha Yojana
- Visit your nearest post office.
- Ask for the application form for Post Office Gram Suraksha Yojana.
- Fill the form with all the required information carefully.
- Attach all necessary documents with the form.
- Submit the completed form at the post office.
- You will get a receipt; keep it safe for future reference.
- This way, you can easily apply for the Post Office Gram Suraksha Yojana.
With small daily investments, this scheme offers you a big financial benefit. Start your savings journey with Post Office Gram Suraksha Yojana and secure your future confidently.