The post office has multiple savings schemes, namely Post office savings account, five-year post office Recurring Deposit, Post office time deposit (fixed deposit), Senior Citizens savings schemes, 15-year PPF, National Savings Certificate, Kisan Vikas Patra, Sukanya Samriddhi Accounts (SSA). Each has its own set of rules, interest rates, and lock-in period. What is best depends on the investor's needs and requirements. Investors can choose the one that best suits their requirements.