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Karur Vysya Bank vs India Post - Post Office Recurring Deposit Comparison 2026

Compare Recurring Deposit interest rates, maturity amounts, and features between Karur Vysya Bank (Private Sector) and India Post - Post Office (Public Sector). Analyze the security of public sector banking versus the convenience of private sector services.

Karur Vysya Bank Logo

KVB Bank

Private Sector
VS
India Post - Post Office Logo

Post Office

Public Sector
KVB Bank: Min ₹100
Post Office: Min ₹10
Security vs Convenience
DICGC Insured up to ₹5 Lakhs
Compare Your RD Returns

Adjust the parameters below to see how returns compare between the two banks

₹

Five Thousand rupees

₹100₹50,000
years
1 year10 years

Interest Rate Comparison

Interest Rates by Tenure

General rates across different tenures

Current selection: 3 years (1095 days) -KVB Bank: % |Post Office: %

Side-by-Side Rate Comparison

Direct comparison of general rates

KVB Bank
Post Office
Highlighted = Your selected tenure

Feature Comparison

Features
KVB Bank
KVB Bank
Private Sector
Post Office
Post Office
Public Sector
Minimum RD Amount
₹100
₹10
Current Interest Rate(Selected Tenure)
%
%
Premature Withdrawal Penalty
1%
1%
Official Rate Source
View Official RatesView Official Rates
Karur Vysya Bank
Private Sector Bank

Key Advantages:

Private sector bank
Competitive interest rates
Digital banking services
Online FD booking facility
Auto-renewal facility available
Special deposit schemes: KVB 333 (333 days), KVB 400 (400 days)
Senior citizens get +0.50% additional interest
Tax Shield Deposits (5 years) available
Green Deposits scheme (2345 days) available
Rainbow Deposits (RBFD) available
Rates effective from 26.09.2025 for deposits below ₹3 Crores
Note: Website uses JavaScript/PDF for rates - rates updated manually from official source
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: Recurring 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 includes both principal and accrued interest for RDs.

⚠️ Recommendation:

Keep your total deposits (RDs + FDs + Savings) under ₹5 lakhs per bank. If you need larger investments, distribute them across multiple banks.

Smart Distribution Strategy

Multiple RDs: Open RDs in both KVB Bank and Post Office

Family Accounts: Use different family members' accounts for additional coverage

Best of Both: Combine KVB Bank (convenience) with Post Office (security)

💡 Pro Tip:

RDs are perfect for goal-based investing. You can open separate RDs for different financial goals across different banks to maximize returns and safety.

Key Insights & Recommendations

Choose KVB Bank If:
  • • Minimum amount: ₹100
  • • Private Sector banking preference
  • • Private sector bank
  • • Competitive interest rates
  • • Digital banking services
Choose Post Office If:
  • • Minimum amount: ₹10
  • • Public Sector banking preference
  • • Government backed savings schemes
  • • Nationwide post office network
  • • Quarterly compounding on TD and RD
Best Strategy:
  • • Open multiple RDs for different goals
  • • Keep ≤₹5L per bank for insurance
  • • Use KVB Bank for convenience
  • • Use Post Office for stability
  • • Review rates periodically

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Post Office
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Post Office vs HDFC
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Post Office vs Axis
Post Office
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Post Office vs Kotak
Post Office
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PNB
Post Office vs PNB
Post Office
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BOB
Post Office vs BOB
Post Office
VS
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Post Office vs IOB
Post Office
VS
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Post Office vs IndusInd
Post Office
VS
Union Bank
Post Office vs Union Bank
Post Office
VS
Canara Bank
Post Office vs Canara Bank
Post Office
VS
BOI
Post Office vs BOI
Post Office
VS
Indian Bank
Post Office vs Indian Bank
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Post Office vs Bank of Maharashtra
Post Office
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IDFC First
Post Office vs IDFC First
Post Office
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Post Office vs AU Bank
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Ujjivan SFB
Post Office vs Ujjivan SFB
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Post Office vs Equitas SFB
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Post Office
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Post Office vs Jana SFB
Post Office
VS
Suryoday SFB
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Post Office
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Post Office vs Utkarsh SFB
Post Office
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TMB
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Post Office vs South Indian Bank
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Ready to Invest in Recurring Deposits?

Use our individual bank calculators for detailed planning

KVB Bank RD CalculatorPost Office RD Calculator