1. Small Savings :
(a) Pay Roll Savings Scheme : Persons employed in Government Offices, Offices of Government Undertakings, public and private sector establishments & commercial establishments enjoy this scheme. The main objectives of the scheme are:
(i)   To make available facility of savings to an individual at his/her working place.
(ii)  To save the time, labour and money required for going to Post Office and to avoid standing in a queue for opening an account and depositing money.
(iii) To motivate employees to save money regularly and provide them financial security for future prosperity and for odd times.
The main features of the scheme are -
(i)   In order to join the scheme, an employee has to give his written consent in the prescribed form to his/her employer to deduct a specific amount from his/her salary; the accounts will be opened in the Post Office with that amount after issuing writeen order to that effect, and the specified amount will be deposited to the account in the Post Office every month regularly for a period of 5 (five) years.
(ii)  The account can be opened with the amount divisible by 5. The minimum amount is Rs.10/- and there is no maximum limit.
(iii)  a depositor/Pay Roll Savings Group member can have more than one account in his name or jointly with other person or persons in the same Post Office or in different Post Office.
(iv)  the accounts can be opened at any time.
(v)   the account can be closed prematurely after 3 (three) years from date of opening. However, interest will be calculated @ 3.5% p.a. (compounded quarterly).
(vi)  in every establishement, one Group Leader shall be appointed from amongst the Pay Roll Saving s Group members and the Group Leader shall deposit the Pay Roll Savings amounts to Post Office every month and shall also take up other works pertaining to Pay Roll Savings scheme within such establishment. He will in return receive commission @ 2.5% of the amount deposited from the Post Office at the time of depositing the amount.
(vii) the Head of Office will appoint himself or any other reliable officer under him as Pay Roll Savings Supervising Officer in order to supervise the works of Group Leader strictly.
(viii) A subscriber may nominate one or more persons to received the amount standing to his credit in the event of his death.
(ix)  Rate of interest w.e.f 1.3.2003 to till date is 7.5% p.a. (quarterly compounded).
(x)   the scheme is applicable to all the staff both gazetted and non-gazetted.
(xi)  the account can be transferred to any Post Office in India free of cost.

(b)   Other National Savings Schemes : Short accounts of other National Savings Schemes are as indicated below :-
Sl.No . Name of Scheme                 Rate of Interest                               Maturity Period
1. 5 Yrs Recurring Deposit                7.5% p.a.(Quarterly compounded)             5 Yrs.
2. National Savings Scheme            7.5% p.a. 4 Yrs.
    Account 1992 (NSSA 1992)
3. Kisan Vikas Patra                         8.5% p.a.(Annually compounded)              8Yrs.& 7mths.
4. Time Deposit                               6.25% p.a.                                                  1 Yr.
                                                        6.50% p.a.                                                  2 Yrs.
                                                        7.25% p.a.                                                  3 Yrs.
                                                        7.50% p.a.                                                  5 Yrs.
5. National Savings Certificate 8% p.a. (Half yearly compounded) 6 Yrs.
    (NSC) VIII
6. Post Office Savings Account 3.5% p.a. Indefinite
7. Monthly Income Scheme 8% p.a. 6 Yrs.
8. Public Provident Fund 8% p.a. (Annually compounded) 15 Yrs.
    Account (PPF)

(c) Launching of Small Savings Campaigns : Small Savings Campaigns have been regularly launched amongst the Government servants, employees in the Government Undertakings as well as non-statutory bodies and the general public in order to make them aware of the importance of savings and to inculcate savings consciousness into their minds. The Government of Mizoram in such ways that Pay Roll Savings Scheme has been introduced amongst the Government servants and employees in the Government Undertaking as well as Non Statutory bodies and other Postal Savings Schemes also known as National Savings Schemes such as Kisan Vikas Patra, time Deposit, Five Year Recurring Deposit, Monthly Income Scheme, Public Provident fund, Post Office Saving Account, National Savings Certificate VIII and deposit for Retiring Government servants and other employees stated above. The campaigns launched have covered the whole of the State and have yielded good harvests every now and then.