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Govt. Savings Schemes

India Post - Post Office - National Savings Schemes & Calculators

Government-backed savings schemes with guaranteed returns. Calculate Time Deposit (TD) and RD maturity.

Best TD Rate
7.5% p.a.

India Post - Post Office Time Deposit (TD) Rates Overview

India Post - Post Office currently offers Time Deposit (TD) interest rates of up to 7.5% p.a.. The full slab-wise Post Office rate table is below — use the FD and RD calculators to compute your exact maturity amount.

Post Office Calculators & Tools

Latest Post Office Interest Rates

Verified rate tables updated as banks revise deposit & loan terms.

India Post - Post Office Time Deposit (TD) Rates

FD Calculator

Latest India Post - Post Office Time Deposit interest rates for all tenures. Same rates for all age groups.

Type / TenureInterest Rate
1 Year
6.9%
2 Years
7%
3 Years
7.1%
5 YearsHighest Yield
7.5%

India Post - Post Office Recurring Deposit Rates

RD Calculator

Latest India Post - Post Office Recurring Deposit interest rates for all tenures. Same rates for all age groups.

Type / TenureInterest Rate
5 YearsHighest Yield
6.7%

Why Choose India Post - Post Office?

Key benefits and features of banking with India Post - Post Office.

Competitive Rates

Up to 7.5% returns on deposits with attractive rates across short & long tenures.

Bank Security

Government-backed security with DICGC insurance up to ₹5 Lakhs.

Digital Banking

Instant online FD/RD booking, mobile banking apps, and quick digital loans.

Customer Service

Extensive branch & ATM network across India with dedicated support.

Key Features & Perks

Best TD Rate: 7.5% for all
General Rate: 7.5% for all citizens
Min TD Amount: ₹1K only
Min RD Amount: ₹10 monthly
Same rates for all age groups
Premature Penalty: Only 1%
Tax Deduction: TDS applicable if interest exceeds ₹40,000 per annum. Same rates for all age groups.
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
Interest rates last updated: Jan 2026
Verify on India Post - Post Office Official Website
Market Comparison

Compare Rates with Other Banks

Check latest fixed deposit interest rates across peer financial institutions before investing.

Disclaimer: Results are estimates for financial planning purposes only and do not constitute financial, tax, investment, or legal advice. Actual values may vary based on your lender, market conditions, and individual circumstances. Consult a qualified CA, CFP, or financial advisor before making any financial decisions.