Post office schemes are also known as small Savings schemes, they are offered at post offices and carry the highest returns among the fixed income instruments. Government backing makes these instruments like Public Provident Fund (PPF), National Savings Certificate (NSC), Kisan Vikas Patra (KVP), and Post Office Monthly Income Scheme (POMIS) risk-free.
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Better go to nearest Post Office and ask Post Master. Otherwise consult any Financial Adviser/Consultant in your localty. If you invest through Consultant, he will give you 0.5 to 0.75 % commission on your Invested amount