The term "Post Office Dhansu Yojana" has gained traction online, promising high returns like Rs 200,000 on a deposit of Rs 100,000. However, there is no official scheme by the Indian Post Office with such a name or exact returns. It's likely a misinterpretation or exaggeration of existing Post Office Savings Schemes.

While this specific claim is inaccurate, the Post Office does offer various reliable and secure savings schemes with attractive interest rates. Let's explore some options that can help you achieve your financial goals:

1. Recurring Deposit (RD):

Deposit: Minimum Rs 100 per month, maximum Rs 10,000 per month.

Tenure: 1 to 10 years.

Interest Rate: Currently 5.85% (subject to change).

Returns: Compound interest on monthly deposits. For example, if you deposit Rs 1000 monthly for 5 years at the current rate, you'll earn approximately Rs 66,000 (including principal).

2. Kisan Vikas Patra (KVP):

Deposit: Minimum Rs 100, maximum Rs 100,000 in multiples of Rs 100.

Tenure: 11 years and 6 months.

Interest Rate: Currently 6.9% (compounded annually).

Returns: Double your investment by maturity. For example, a Rs 100,000 deposit will grow to Rs 200,000 at maturity.

3. Monthly Income Scheme (MIS):

Deposit: Minimum Rs 1000, maximum Rs 4.5 lakh.

Tenure: 5 years.

Interest Rate: Currently 6.6% (paid monthly).

Returns: Regular monthly income based on the current interest rate. For example, a Rs 100,000 deposit will yield approximately Rs 550 per month.

4. Senior Citizen Savings Scheme (SCSS):

Eligibility: Open to individuals aged 60 years and above.

Deposit: Minimum Rs 1000, maximum Rs 9 lakh.

Tenure: 5 years, with an extension option for 3 years.

Interest Rate: Currently 7.4% (compounded quarterly).

Returns: Attractive interest rate for senior citizens. For example, a Rs 100,000 deposit will grow to approximately Rs 142,000 at maturity.

Key Takeaways:

There's no "Post Office Dhansu Yojana" with guaranteed Rs 200,000 returns on Rs 100,000.

Explore genuine Post Office Savings Schemes for secure and reliable investments.

Choose a scheme based on your risk appetite, investment horizon, and financial goals.

Consult a financial advisor for personalized guidance.