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Govt. Savings Schemes

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.

Post Office Time Deposit (TD) Rates Overview

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.

Calculators & Simulators

Post Office Savings Calculators

Verified rates & instant amortization schedules for deposits, loans, and cards.

Latest Post Office Interest Rates

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

Time Deposit (TD) Rates

FD Calculator

Latest interest rates for all tenures. Uniform rates across all age groups.

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

Recurring Deposit Rates

RD Calculator

Latest interest rates for all tenures. Uniform rates across all age groups.

Type / TenureInterest Rate
5 YearsHighest Yield
6.7%

Why Choose Post Office?

Key benefits and features of banking with 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: ₹100 monthly
Same rates for all age groups
Premature Penalty: Only 2%
Tax Deduction: TDS at 10% if interest from your Post Office deposits exceeds ₹50,000 a year (₹1 lakh for senior citizens). 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: ₹100/month for RD (multiples of ₹10), ₹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: Oct 2026
Verify on 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.