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Government Of Assam Finance Directorate of Small Savings

What Makes Small Savings Indispensible

Small saving schemes in India are provided by the post offices and selected banks. They not only provide financial security to individuals and families, but also ensure nation's progress in more than one ways.

Small savings can be classified under three heads:

  • Post Office Deposits: Postal Savings Account, Post Office Recurring Deposit, Time Deposit Account and Monthly Income Scheme
  • Savings Certificates: National Savings Certificate (VIII Issue) and Kisan Vikas Patra
  • Social Security Schemes: Sukanya Samriddhi Account, Public Provident Fund and Senior Citizens' Savings Scheme



In terms of economic significance, money deposited through small savings schemes form the National Small Savings Fund, which is used in social upliftment and infrastructure building.

The primary goal of a small savings scheme is to ensure financial security to the investors, comprising mainly economically weaker section of the society.

Small saving schemes mostly operate through post offices, but there are a few schemes what can also be opened and operated at selected banks.