Bank FD Comparison Tool
Cosmos Bank vs India Post - Post Office Fixed Deposit Comparison 2026
Compare Fixed Deposit interest rates, maturity amounts, and features between Cosmos Bank (Private Sector) and India Post - Post Office (Public Sector). Analyze the security of public sector banking versus the convenience of private sector services.
Cosmos Bank
Private Sector
VS
Post Office
Public Sector
Cosmos Bank: Min ₹1,000
Post Office: Min ₹1,000
Security vs Convenience
DICGC Insured up to ₹5 Lakhs
Compare Your FD Returns
Adjust the parameters below to see how returns compare between the two banks
₹
Five Lakhs rupees
₹1,000₹20,00,000
years
1 year10 years
Interest Rate Comparison
Interest Rates by Tenure
General rates across different tenures
Current selection: 3 years (1095 days) -Cosmos Bank: % |Post Office: %
Side-by-Side Rate Comparison
Direct comparison of general rates
Cosmos Bank
Post Office
Highlighted = Your selected tenure
Feature Comparison
Features | Cosmos Bank Private Sector | Post Office Public Sector |
|---|---|---|
Minimum FD Amount | ₹1,000 | ₹1,000 |
Current Interest Rate(Selected Tenure) | % | % |
Premature Withdrawal Penalty | 1% | 1% |
Official Rate Source | View Official Rates | View Official Rates |
Cosmos Bank
Private Sector Bank
Key Advantages:
Co-operative bank
Competitive interest rates
Digital banking services
Online FD booking facility
Senior citizen rates vary by tenure
Special scheme: 13 Months, 16 months
Rates effective from 01.12.2025
India Post - Post Office
Public Sector Bank
Key Advantages:
Government backed savings schemes
Nationwide post office network
Quarterly compounding on TD and RD
5-year TD qualifies for Section 80C benefits (₹1.5 lakh)
No additional interest for senior citizens
Loan facility up to 50% after 12 months on RD
Minimum deposit: ₹10/month for RD, ₹1,000 for TD
RD tenure can be extended up to 10 years
Safe and secure government scheme
Available at all India Post offices
Important: Fixed Deposit Safety & Insurance Coverage
₹5 Lakh Insurance Limit
The Deposit Insurance and Credit Guarantee Corporation (DICGC) provides insurance coverage of up to ₹5 lakhs per depositor per bank. This means if you deposit more than ₹5 lakhs in a single bank, only ₹5 lakhs is guaranteed by the government.
⚠️ Recommendation:
Never deposit more than ₹5 lakhs in a single bank. If you have larger amounts, distribute them across multiple banks to ensure full insurance coverage.
Smart Distribution Strategy
For ₹10 lakhs: Split between Cosmos Bank (₹5L) + Post Office (₹5L)
For ₹15 lakhs: Add a third bank to the mix
Best of Both: Combine Cosmos Bank (convenience) with Post Office (security)
💡 Pro Tip:
You can also open FDs in different family members' names in the same bank to get additional ₹5 lakh coverage for each account holder.
Key Insights & Recommendations
Choose Cosmos Bank If:
- •Minimum amount: ₹1,000
- •Private Sector banking preference
- •Co-operative bank
- •Competitive interest rates
- •Digital banking services
Choose Post Office If:
- •Minimum amount: ₹1,000
- •Public Sector banking preference
- •Government backed savings schemes
- •Nationwide post office network
- •Quarterly compounding on TD and RD
Best Strategy:
- •Split large amounts across both banks
- •Keep ≤₹5L per bank for insurance
- •Use Cosmos Bank for convenience
- •Use Post Office for stability
- •Review rates periodically
Explore more FD comparisons
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