India Post Savings

Post Office Fixed Deposit Rates

Enjoy absolute capital security. Discover the latest India Post Time Deposit rates compounding quarterly with full sovereign protection.

Sovereign Guarantee

Backed by the Ministry of Communications, ensuring absolute safety for your hard-earned funds.

Tax Saving Benefits

Save taxes up to ₹1.5 Lakhs under Section 80C by investing in the 5-Year Time Deposit variant.

Quarterly Compounding

Interest is calculated and compounded quarterly but paid out annually to maximize final maturity returns.

Interest Rates Chart

Post Office Time Deposit rates

Review current rates set by the Ministry of Finance for POTD accounts:

Deposit Tenure	Interest Rate (Compounded Quarterly)	Section 80C Exemption	Minimum Deposit Limit
1 Year Time Deposit (POTD)	6.90% p.a.	Not Available	₹1,000 (No maximum limit)
2 Year Time Deposit (POTD)	7.00% p.a.	Not Available	₹1,000 (No maximum limit)
3 Year Time Deposit (POTD)	7.10% p.a.	Not Available	₹1,000 (No maximum limit)
5 Year Time Deposit (POTD)	7.50% p.a.	Eligible for 80C deductions	₹1,000 (No maximum limit)

FAQs

Frequently Asked Questions

Find immediate answers regarding Post Office Fixed Deposits.

What is a Post Office Time Deposit (POTD)?

A Post Office Time Deposit (POTD) is a secure fixed savings scheme managed directly by India Post. It functions exactly like a bank Fixed Deposit, allowing investors to lock in cash for 1, 2, 3, or 5 years at a fixed interest rate.

Are Post Office Fixed Deposits safer than commercial bank FDs?

Yes. Bank deposits are insured only up to ₹5 Lakhs by the DICGC. Post Office savings schemes carry a sovereign guarantee from the Government of India, meaning there is zero credit default risk on any amount of capital deposited.

Is interest earned on Post Office FDs tax-free?

No. The interest earned on Post Office Time Deposits is fully taxable according to your applicable personal income tax slabs. However, there is zero TDS deducted by the Post Office on interest payouts.