Post Office Account: ₹3,500 Tax-Free You're

Post Office Savings Accounts now offer personalised cheque books with your name printed on them, delivered free to your door. But the bigger win? This account already gives you tax-free interest up to ₹3,500 per year — and most holders don't even know.

Here's what happened: Post Office Savings Account holders can now get cheque books with their name and account details pre-printed, improving security against fraud.. The personalised cheque books are delivered free of charge to the account holder's registered address, available from May 8, 2026.. Post Office Savings Accounts offer 4% annual interest, and interest up to ₹3,500 is fully exempt from income tax under Section 10(15)(i)..

What you should do: Visit your nearest Post Office branch or India Post Payments Bank app to request your personalised cheque book — bring your savings account passbook and Aadhaar.. Check whether your Post Office savings account address is updated; delivery goes to your registered address, so outdated details mean you won't receive it.. Claim your ₹3,500 tax-free interest deduction when filing your ITR — most salaried filers forget to declare or claim this exemption under Section 10(15)(i)..

Pro tip: A joint Post Office savings account doubles your tax-free interest exemption to ₹7,000 per year — one of the simplest, most overlooked tax breaks in India.