Post Office Scheme 2025: Invest ₹565 & Get ₹10 Lakh | Govt FD Plan Explained |

Описание: In today’s breaking update, the *Indian Post Office* has introduced a *special savings-cum-investment scheme* for the poor and lower-middle-class citizens of India. This scheme is being widely discussed because of its **unique benefit promise – invest just ₹565 once and get ₹10 Lakh in return after maturity**.

Post Office Launched A Special Scheme For The Poor, Invest Rs 565 And Get Rs 10 Lakh.

This new *Post Office Scheme 2025* has been launched keeping in mind the financial inclusion of those who cannot afford to invest in high-ticket saving products like Fixed Deposits, Mutual Funds, or Insurance policies. Let’s understand all the important details of this scheme in simple language.

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🔑 Key Highlights of the Scheme

1. *Scheme Name* – Special Poor Welfare Investment Scheme (via Post Office).
2. *Minimum Investment* – ₹565 only.
3. *Maturity Benefit* – ₹10,00,000 (Ten Lakh Rupees).
4. *Eligibility* – Citizens belonging to economically weaker sections (EWS), Below Poverty Line (BPL), rural & semi-urban families.
5. *Availability* – At selected post offices across India.
6. *Objective* – To provide life security, savings, and long-term growth opportunity to the poorest sections.

Any Indian citizen above *18 years* of age.
Families with **annual income less than ₹2.5 lakh**.
Priority for **rural households, daily wage earners, agricultural labourers, and small vendors**.
*Jan Dhan account holders* will get faster approval.

This scheme works like a **micro-insurance + savings hybrid model**. When a person deposits **₹565**, the money is pooled under a special welfare corpus managed by the Post Office in partnership with government-backed insurance firms. Over time, this small contribution grows through government subsidies, interest, and risk pooling.

At maturity, the beneficiary or their nominee becomes eligible to receive **₹10 lakh as lump sum**.

In case of **early unfortunate death**, the nominee can also claim benefits.


📊 Example Calculation

If *100 poor families* invest ₹565 each = ₹56,500 collected.
Government adds subsidy support + insurance coverage.
Pool grows with interest (like Sukanya Samriddhi + LIC model).
At maturity, claim payout of *₹10 lakh* per eligible family is ensured.

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🔎 Benefits of the Scheme

✅ Extremely *low entry barrier* (just ₹565).
✅ *Huge financial security* (₹10 lakh).
✅ Encourages *savings habit* among poor families.
✅ Provides **insurance cover + investment growth**.
✅ 100% **government-backed**, safe & reliable.
✅ Available across **India via Post Offices**.


📌 Related Government Schemes (Comparison)

*Pradhan Mantri Jeevan Jyoti Bima Yojana (PMJJBY)* – ₹330 premium = ₹2 Lakh cover.
*Pradhan Mantri Suraksha Bima Yojana (PMSBY)* – ₹12 premium = ₹2 Lakh accident cover.
*Atal Pension Yojana (APY)* – Contribution ₹200-₹500/month = pension after 60.
*Post Office RD/FD* – Traditional savings scheme with 5-7% interest.

👉 Compared to these, the new *Post Office ₹565 Scheme* is **10X more attractive**.

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📢 Public Reactions

Farmers say this scheme is a **lifeline for rural poor**.
Daily wage earners see it as a **once-in-a-lifetime opportunity**.
Experts suggest it is a **government-subsidized welfare product**, not purely an investment.
Economists believe it could help **financial inclusion of crores of families**.

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📅 Launch & Availability

Officially **launched in September 2025**.
Initial rollout in **Uttar Pradesh, Bihar, Madhya Pradesh, Jharkhand**.
Soon to be expanded across **all states and UTs

📌 Disclaimer

This video/article is for *educational and awareness purposes only**. Always confirm details with the official **Post Office / Government Notification* before investing.

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