Post Office FD Scheme 2025: Interest Rates, Features And How To Invest
It is suitable for people who are not willing to take risks, such as housewives and senior citizens.
The Post Office Fixed Deposit (FD) Scheme is considered one of the safest investment options, as it is backed by the Government of India. In an environment of frequent market fluctuations, many investors seek stability and assurance, making this scheme an attractive choice for those looking for guaranteed returns with minimal risk.
What Is Post Office FD Scheme?
It is a scheme offered by the India Post, where investors deposit a lump sum amount for a fixed period of time and earn interest at a guaranteed rate. It is suitable for people who are not willing to take risks, such as housewives and senior citizens.
Post Office FD Scheme Repayment Tenure
You can choose a deposit tenure of 1, 2, 3, or 5 years, as per your preference.
Post Office FD Scheme Interest Rate
The Post Office Fixed Deposit (FD) Scheme offers competitive interest rates that vary based on the tenure of the deposit. The interest rate starts at 4% per annum, with a 1-year deposit earning 6.9%, a 2-year deposit offering 7.0%, a 3-year deposit providing 7.1%, and a 5-year deposit yielding the highest return at 7.5% per annum. These government-backed rates make the scheme an attractive and secure investment option, particularly for individuals seeking steady returns without market-related risks.
The minimum deposit amount is Rs 1,000, and there is no maximum limit.
How to open a Post Office FD Account?
You can do it either offline at a nearby post office or online.
Go to the Post Office branch.
Collect the 'Post Office Time Deposit Account" form.
Fill in the details such as name, address, contact number, deposit amount, tenure, and mode of payment.
Submit the document such as ID proof, Address proof and passport size photo.
Deposit the amount via cash or cheque. You can also choose the savings account transfer option if you already have a post office savings account.
You will then receive an acknowledgement receipt and a time deposit certificate.
Online method:
Visit the official website of the Indian Post.
Click on the Open TD Account.
Select the amount to invest, deposit tenure and mode of debit.
Verify details and submit. Your FD account will be created instantly.
After this, you will receive a confirmation receipt online.
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