In India, many government saving schemes focus on the girl child, like the popular Sukanya Samriddhi Yojana. But if you are a parent of a baby boy or young son, you may wonder what options are available for him too. The good news is that the Post Office offers many trusted saving schemes that work well for securing your boy child’s future.

These schemes are safe, backed by the Government of India, and give good returns. Whether you want to save for school, college, or marriage – here are the best post office schemes for boy children in 2025.

Why Choose Post Office Schemes for Your Child?

Here’s why they make an excellent investment choice for your child:

• Government-backed Security: The Government of India runs the schemes, ensuring the safety of your money.

• Secured Returns: Post office schemes provide guaranteed returns over time, in contrast to market-linked schemes.

• Tax Benefits: Under Section 80C of the Income Tax Act, several post office programs provide tax benefits.

• Flexibility: They are ideal for long-term objectives like marriage and further study because they offer a variety of tenure options and withdrawal flexibility.

Top Post Office Schemes for a Boy Child in India

1. Public Provident Fund (PPF)

One of the best long-term investment options for Boy Child is the PPF known as the Public Provident Fund. With higher interest and compounded returns, it becomes a perfect choice to build a financially secure future.

Key Features:

• Minimum investment: ₹500 per year

• Maximum investment: ₹1.5 lakh per year

• Tenure: 15 years (extendable in blocks of 5 years)

• Interest rate: ~7.1% (compounded annually, subject to revision every quarter)

• Partial withdrawals allowed after 7 years

Why It’s Great for a Boy Child:

• Ideal for funding higher education and marriage expenses.

• Tax benefits under Section 80C.

• The maturity amount is tax-free.

2. National Savings Certificate (NSC)

Another great program with guaranteed returns and support from the Indian government is the National Savings Certificate (NSC).  It is a low-risk choice for parents who want to put money aside for the future of their boy child.

Key Features:

• Minimum investment: ₹1,000 (no upper limit)

• Tenure: 5 years

• Interest rate: ~7.7% (compounded annually but paid at maturity)

• Premature withdrawal is not allowed, except in specific cases

Why It’s Great for a Boy Child:

• Ensures steady growth of your money.

• Tax benefits up to ₹1.5 lakh under Section 80C.

• The interest received can be reinvested for compounding benefits.

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3. Recurring Deposit (RD) Scheme

If parents want small investments regularly while accumulating a significant amount over time, then RD, known as the Post Office Recurring Deposit is a perfect scheme.

Key Features:

• Minimum investment: ₹100 per month

• Tenure: 5 years

• Interest rate: ~6.7% (compounded quarterly)

• Partial withdrawal or premature closure is allowed after 3 years

Why It’s Great for a Boy Child:

• Encourages disciplined savings over time.

• Suitable for meeting short-term goals like school expenses.

• Provides flexibility to withdraw funds if required.

4. Kisan Vikas Patra (KVP)

To double your investment over a predetermined time frame, Kisan Vikas Patra (KVP) is one of the popular savings options. If a parent is seeking guaranteed returns to protect their child's future expenses, this scheme is an excellent option.

Key Features:

• Minimum investment: ₹1,000 (no upper limit)

• Tenure: Around 124 months (may vary based on interest rate changes)

• Interest rate: ~7.5% (compounded annually)

• Premature withdrawal is allowed after 2.5 years

Why It’s Great for a Boy Child:

• Doubles your investment over time.

• Ideal for building a substantial education fund.

• Safe and secure investment option.

5. Post Office Fixed Deposit (FD)

FDs also known as the Post Office Fixed Deposit is a great option if a parent prefers lumpsum investment with guaranteed returns. With higher interest rates than regular bank FDs this plan ensures stable growth.

Key Features:

• Minimum investment: ₹1,000 (no upper limit)

• Tenure: 1, 2, 3, or 5 years

• Interest rate: ~6.9% to 7.5% (depending on tenure)

• Premature withdrawal is permitted after 6 months with a penalty

Why It’s Great for a Boy Child:

• Guaranteed returns over a fixed period.

• Suitable for short-term and medium-term goals.

Offers flexibility to choose tenure based on financial goals.

Comparison of Post Office Schemes for Boy Child

How Can A Parent Choose The Right Scheme for their Boy Child?

• Goal Duration: Choose a scheme based on how long you plan to invest. For long-term goals like higher education, PPF or KVP is ideal. For short-term goals, RD or FD is a better option.

• Risk Appetite: All post office schemes are low-risk, but if you prefer guaranteed returns with minimal liquidity, go for NSC or KVP.

• Tax Benefits: If tax saving is a priority, PPF and NSC are your best choices.

• Flexibility: Consider schemes that allow partial withdrawals in case of emergencies.

How to Open a Post Office Account for a Boy Child?

1. With the required documents, visit your nearest post office.

2. Fill out the necessary application form for the selected scheme.

3. Provide KYC documents, including ID proof and address proof.

4. Make the initial deposit as per the scheme’s requirement.

5. Collect the account passbook for future reference.

If you’re looking to explore other smart investment options or want help planning a secure future for your son, Motilal Oswal offers expert financial guidance and child-focused investment solutions. Whether it’s long-term wealth creation or flexible saving plans, Motilal Oswal can help you make the right choices for your growing family.

For more guidance, you can visit your nearest post office or consult a financial advisor.In 2025, post office schemes continue to be one of the most trusted ways to save for a child’s future. For parents of boy children, these schemes offer safety, fixed returns, and peace of mind. Start early and stay consistent – your child’s dreams will be well supported!

For more guidance, you can visit your nearest post office or consult a financial advisor.

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