{"id":10996,"date":"2025-11-30T04:25:23","date_gmt":"2025-11-30T04:25:23","guid":{"rendered":"https:\/\/goldenpi.com\/blog\/?p=10996"},"modified":"2026-04-07T09:52:30","modified_gmt":"2026-04-07T09:52:30","slug":"post-office-one-year-fd-interest-rate-review","status":"publish","type":"post","link":"https:\/\/goldenpi.com\/blog\/fixed-deposit\/post-office-one-year-fd-interest-rate-review\/","title":{"rendered":"Post Office 1-Year FD Interest Rate 2026: Sovereign Safety Meets 6.9% Yield"},"content":{"rendered":"<p data-path-to-node=\"1\">Govt maintains steady rates for Q1 FY27; 1-year Time Deposit emerges as a potent short-term tool for conservative portfolios. <span class=\"citation-179\">The Ministry of Finance has retained the interest rates for small savings schemes for the <\/span><b data-path-to-node=\"2\" data-index-in-node=\"90\"><span class=\"citation-179\">April-June 2026 quarter<\/span><\/b><span class=\"citation-179\">, keeping the popular <\/span><b data-path-to-node=\"2\" data-index-in-node=\"135\"><span class=\"citation-179\">1-year Post Office Time Deposit (TD)<\/span><\/b><span class=\"citation-179\"> rate at <\/span><b data-path-to-node=\"2\" data-index-in-node=\"180\"><span class=\"citation-179\">6.90% p.a.<\/span><\/b><span class=\"citation-179 citation-end-179\"> In an era of fluctuating market yields, the Post Office FD remains a cornerstone for retail investors seeking absolute capital protection through sovereign guarantee.<\/span><\/p>\n<div id=\"ez-toc-container\" class=\"ez-toc-v2_0_79_2 counter-hierarchy ez-toc-counter ez-toc-grey ez-toc-container-direction\">\n<div class=\"ez-toc-title-container\">\n<p class=\"ez-toc-title\" style=\"cursor:inherit\">Table of Contents<\/p>\n<span class=\"ez-toc-title-toggle\"><a href=\"#\" class=\"ez-toc-pull-right ez-toc-btn ez-toc-btn-xs ez-toc-btn-default ez-toc-toggle\" aria-label=\"Toggle Table of Content\"><span class=\"ez-toc-js-icon-con\"><span class=\"\"><span class=\"eztoc-hide\" style=\"display:none;\">Toggle<\/span><span class=\"ez-toc-icon-toggle-span\"><svg style=\"fill: #999;color:#999\" xmlns=\"http:\/\/www.w3.org\/2000\/svg\" class=\"list-377408\" width=\"20px\" height=\"20px\" viewBox=\"0 0 24 24\" fill=\"none\"><path d=\"M6 6H4v2h2V6zm14 0H8v2h12V6zM4 11h2v2H4v-2zm16 0H8v2h12v-2zM4 16h2v2H4v-2zm16 0H8v2h12v-2z\" fill=\"currentColor\"><\/path><\/svg><svg style=\"fill: #999;color:#999\" class=\"arrow-unsorted-368013\" xmlns=\"http:\/\/www.w3.org\/2000\/svg\" width=\"10px\" height=\"10px\" viewBox=\"0 0 24 24\" version=\"1.2\" baseProfile=\"tiny\"><path d=\"M18.2 9.3l-6.2-6.3-6.2 6.3c-.2.2-.3.4-.3.7s.1.5.3.7c.2.2.4.3.7.3h11c.3 0 .5-.1.7-.3.2-.2.3-.5.3-.7s-.1-.5-.3-.7zM5.8 14.7l6.2 6.3 6.2-6.3c.2-.2.3-.5.3-.7s-.1-.5-.3-.7c-.2-.2-.4-.3-.7-.3h-11c-.3 0-.5.1-.7.3-.2.2-.3.5-.3.7s.1.5.3.7z\"\/><\/svg><\/span><\/span><\/span><\/a><\/span><\/div>\n<nav><ul class='ez-toc-list ez-toc-list-level-1 ' ><li class='ez-toc-page-1 ez-toc-heading-level-2'><a class=\"ez-toc-link ez-toc-heading-1\" href=\"https:\/\/goldenpi.com\/blog\/fixed-deposit\/post-office-one-year-fd-interest-rate-review\/#Latest_Post_Office_FD_Rates_Effective_April_1_2026\" >Latest Post Office FD Rates (Effective April 1, 2026)<\/a><\/li><li class='ez-toc-page-1 ez-toc-heading-level-2'><a class=\"ez-toc-link ez-toc-heading-2\" href=\"https:\/\/goldenpi.com\/blog\/fixed-deposit\/post-office-one-year-fd-interest-rate-review\/#Quarterly_Compounding_How_much_You_will_Earn\" >Quarterly Compounding: How much You will Earn<\/a><ul class='ez-toc-list-level-3' ><li class='ez-toc-heading-level-3'><a class=\"ez-toc-link ez-toc-heading-3\" href=\"https:\/\/goldenpi.com\/blog\/fixed-deposit\/post-office-one-year-fd-interest-rate-review\/#Yield_Illustration_Investing_%E2%82%B9100000\" >Yield Illustration: Investing \u20b91,00,000<\/a><\/li><li class='ez-toc-page-1 ez-toc-heading-level-3'><a class=\"ez-toc-link ez-toc-heading-4\" href=\"https:\/\/goldenpi.com\/blog\/fixed-deposit\/post-office-one-year-fd-interest-rate-review\/#Market_Comparison_Post_Office_vs_Banks_April_2026\" >Market Comparison: Post Office vs. Banks (April 2026)<\/a><\/li><\/ul><\/li><li class='ez-toc-page-1 ez-toc-heading-level-2'><a class=\"ez-toc-link ez-toc-heading-5\" href=\"https:\/\/goldenpi.com\/blog\/fixed-deposit\/post-office-one-year-fd-interest-rate-review\/#Benefits_of_Post_Office_1-Year_FDs\" >Benefits of Post Office 1-Year FDs<\/a><ul class='ez-toc-list-level-3' ><li class='ez-toc-heading-level-3'><a class=\"ez-toc-link ez-toc-heading-6\" href=\"https:\/\/goldenpi.com\/blog\/fixed-deposit\/post-office-one-year-fd-interest-rate-review\/#Key_Features_and_%E2%80%9CFine_Print%E2%80%9D_for_2026\" >Key Features and &#8220;Fine Print&#8221; for 2026<\/a><\/li><li class='ez-toc-page-1 ez-toc-heading-level-3'><a class=\"ez-toc-link ez-toc-heading-7\" href=\"https:\/\/goldenpi.com\/blog\/fixed-deposit\/post-office-one-year-fd-interest-rate-review\/#The_Verdict_Who_Should_Invest\" >The Verdict: Who Should Invest?<\/a><\/li><li class='ez-toc-page-1 ez-toc-heading-level-3'><a class=\"ez-toc-link ez-toc-heading-8\" href=\"https:\/\/goldenpi.com\/blog\/fixed-deposit\/post-office-one-year-fd-interest-rate-review\/#Post_Office_FD_1-Year_Rate_In_India_2026_FAQs\" >Post Office FD 1-Year Rate In India: 2026 FAQs<\/a><\/li><li class='ez-toc-page-1 ez-toc-heading-level-3'><a class=\"ez-toc-link ez-toc-heading-9\" href=\"https:\/\/goldenpi.com\/blog\/fixed-deposit\/post-office-one-year-fd-interest-rate-review\/#1_What_is_the_current_1-year_Post_Office_FD_interest_rate_in_2026\" >1. What is the current 1-year Post Office FD interest rate in 2026?<\/a><\/li><li class='ez-toc-page-1 ez-toc-heading-level-3'><a class=\"ez-toc-link ez-toc-heading-10\" href=\"https:\/\/goldenpi.com\/blog\/fixed-deposit\/post-office-one-year-fd-interest-rate-review\/#2_How_is_interest_on_a_1-year_Post_Office_FD_calculated\" >2. How is interest on a 1-year Post Office FD calculated?<\/a><\/li><li class='ez-toc-page-1 ez-toc-heading-level-3'><a class=\"ez-toc-link ez-toc-heading-11\" href=\"https:\/\/goldenpi.com\/blog\/fixed-deposit\/post-office-one-year-fd-interest-rate-review\/#3_Can_I_make_premature_withdrawals_from_my_1-year_Post_Office_FD\" >3. Can I make premature withdrawals from my 1-year Post Office FD?<\/a><\/li><li class='ez-toc-page-1 ez-toc-heading-level-3'><a class=\"ez-toc-link ez-toc-heading-12\" href=\"https:\/\/goldenpi.com\/blog\/fixed-deposit\/post-office-one-year-fd-interest-rate-review\/#4_Are_there_any_tax_benefits_on_a_1-year_Post_Office_FD\" >4. Are there any tax benefits on a 1-year Post Office FD?<\/a><\/li><li class='ez-toc-page-1 ez-toc-heading-level-3'><a class=\"ez-toc-link ez-toc-heading-13\" href=\"https:\/\/goldenpi.com\/blog\/fixed-deposit\/post-office-one-year-fd-interest-rate-review\/#5_Is_TDS_applicable_on_Post_Office_FD_interest_in_2026\" >5. Is TDS applicable on Post Office FD interest in 2026?<\/a><\/li><li class='ez-toc-page-1 ez-toc-heading-level-3'><a class=\"ez-toc-link ez-toc-heading-14\" href=\"https:\/\/goldenpi.com\/blog\/fixed-deposit\/post-office-one-year-fd-interest-rate-review\/#6_How_do_I_open_a_Post_Office_FD_in_2026_Offline\" >6. How do I open a Post Office FD in 2026? * Offline:<\/a><\/li><li class='ez-toc-page-1 ez-toc-heading-level-3'><a class=\"ez-toc-link ez-toc-heading-15\" href=\"https:\/\/goldenpi.com\/blog\/fixed-deposit\/post-office-one-year-fd-interest-rate-review\/#7_How_much_interest_will_I_earn_on_a_%E2%82%B91_Lakh_deposit_for_1_year\" >7. How much interest will I earn on a \u20b91 Lakh deposit for 1 year?<\/a><\/li><li class='ez-toc-page-1 ez-toc-heading-level-3'><a class=\"ez-toc-link ez-toc-heading-16\" href=\"https:\/\/goldenpi.com\/blog\/fixed-deposit\/post-office-one-year-fd-interest-rate-review\/#8_Can_I_extend_my_1-year_FD_after_maturity\" >8. Can I extend my 1-year FD after maturity?<\/a><\/li><li class='ez-toc-page-1 ez-toc-heading-level-3'><a class=\"ez-toc-link ez-toc-heading-17\" href=\"https:\/\/goldenpi.com\/blog\/fixed-deposit\/post-office-one-year-fd-interest-rate-review\/#9_Does_the_Post_Office_offer_higher_rates_for_senior_citizens_on_1-year_FDs\" >9. Does the Post Office offer higher rates for senior citizens on 1-year FDs?<\/a><\/li><li class='ez-toc-page-1 ez-toc-heading-level-3'><a class=\"ez-toc-link ez-toc-heading-18\" href=\"https:\/\/goldenpi.com\/blog\/fixed-deposit\/post-office-one-year-fd-interest-rate-review\/#10_Is_my_money_safe_in_a_Post_Office_FD\" >10. Is my money safe in a Post Office FD?<\/a><\/li><\/ul><\/li><\/ul><\/nav><\/div>\n<h2><span class=\"ez-toc-section\" id=\"Latest_Post_Office_FD_Rates_Effective_April_1_2026\"><\/span>Latest Post Office FD Rates (Effective April 1, 2026)<span class=\"ez-toc-section-end\"><\/span><\/h2>\n<p><span class=\"citation-178 citation-end-178\">For the current quarter, the government has opted for a status quo.<\/span> Notably, unlike bank deposits, India Post does not offer a senior citizen premium on Time Deposits; the rates remain uniform across all age groups.<\/p>\n<div class=\"pcrstb-wrap\"><table data-path-to-node=\"7\">\n<thead>\n<tr>\n<td><strong>Tenure<\/strong><\/td>\n<td><strong>Interest Rate (Regular)<\/strong><\/td>\n<td><strong>Interest Rate (Senior Citizens)<\/strong><\/td>\n<\/tr>\n<\/thead>\n<tbody>\n<tr>\n<td><span data-path-to-node=\"7,1,0,0\"><b data-path-to-node=\"7,1,0,0\" data-index-in-node=\"0\">1 Year<\/b><\/span><\/td>\n<td><span data-path-to-node=\"7,1,1,0\"><b data-path-to-node=\"7,1,1,0\" data-index-in-node=\"0\">6.90% p.a.<\/b><\/span><\/td>\n<td><span data-path-to-node=\"7,1,2,0\"><b data-path-to-node=\"7,1,2,0\" data-index-in-node=\"0\">6.90% p.a.<\/b><\/span><\/td>\n<\/tr>\n<tr>\n<td><span data-path-to-node=\"7,2,0,0\"><b data-path-to-node=\"7,2,0,0\" data-index-in-node=\"0\">2 Years<\/b><\/span><\/td>\n<td><span data-path-to-node=\"7,2,1,0\">7.00% p.a.<\/span><\/td>\n<td><span data-path-to-node=\"7,2,2,0\">7.00% p.a.<\/span><\/td>\n<\/tr>\n<tr>\n<td><span data-path-to-node=\"7,3,0,0\"><b data-path-to-node=\"7,3,0,0\" data-index-in-node=\"0\">3 Years<\/b><\/span><\/td>\n<td><span data-path-to-node=\"7,3,1,0\">7.10% p.a.<\/span><\/td>\n<td><span data-path-to-node=\"7,3,2,0\">7.10% p.a.<\/span><\/td>\n<\/tr>\n<tr>\n<td><span data-path-to-node=\"7,4,0,0\"><b data-path-to-node=\"7,4,0,0\" data-index-in-node=\"0\">5 Years<\/b><\/span><\/td>\n<td><span data-path-to-node=\"7,4,1,0\">7.50% p.a.<\/span><\/td>\n<td><span data-path-to-node=\"7,4,2,0\">7.50% p.a.<\/span><\/td>\n<\/tr>\n<\/tbody>\n<\/table><\/div>\n<p><b data-path-to-node=\"10,0\" data-index-in-node=\"0\">Key Insight:<\/b> Unlike commercial banks, the Post Office <b data-path-to-node=\"10,0\" data-index-in-node=\"54\">does not offer a senior citizen premium<\/b> on Time Deposits. <span class=\"citation-371\">Investors aged 60+ seeking higher yields typically pivot to the <\/span><b data-path-to-node=\"10,0\" data-index-in-node=\"176\"><span class=\"citation-371\">Senior Citizen Savings Scheme (SCSS)<\/span><\/b><span class=\"citation-371\">, which currently offers <\/span><b data-path-to-node=\"10,0\" data-index-in-node=\"237\"><span class=\"citation-371 citation-end-371\">8.20% p.a.<\/span><\/b><\/p>\n<p><b data-path-to-node=\"8,0\" data-index-in-node=\"0\"><span class=\"citation-177\">Note:<\/span><\/b><span class=\"citation-177\"> While the 1-year rate is stable, the <\/span><b data-path-to-node=\"8,0\" data-index-in-node=\"53\"><span class=\"citation-177\">5-year TD at 7.50%<\/span><\/b><span class=\"citation-177 citation-end-177\"> remains the highest-yielding slab, also qualifying for tax benefits under Section 80C<\/span><\/p>\n<h2 data-path-to-node=\"11\"><span class=\"ez-toc-section\" id=\"Quarterly_Compounding_How_much_You_will_Earn\"><\/span>Quarterly Compounding: How much You will Earn<span class=\"ez-toc-section-end\"><\/span><\/h2>\n<p data-path-to-node=\"12\">A common point of confusion for investors is the difference between the <b data-path-to-node=\"12\" data-index-in-node=\"72\">Nominal Rate<\/b> and the <b data-path-to-node=\"12\" data-index-in-node=\"93\">Effective Yield<\/b>. <span class=\"citation-264\">While the interest is paid out annually, it is <\/span><b data-path-to-node=\"12\" data-index-in-node=\"157\"><span class=\"citation-264\">compounded quarterly<\/span><\/b><span class=\"citation-264 citation-end-264\">.<\/span> This mathematical nuance increases your actual take-home return.<\/p>\n<h3 data-path-to-node=\"13\"><span class=\"ez-toc-section\" id=\"Yield_Illustration_Investing_%E2%82%B9100000\"><\/span>Yield Illustration: Investing \u20b91,00,000<span class=\"ez-toc-section-end\"><\/span><\/h3>\n<p data-path-to-node=\"14\">If you park \u20b91 lakh in a 1-year Post Office FD today:<\/p>\n<ul>\n<li data-path-to-node=\"15,0,0\"><b data-path-to-node=\"15,0,0\" data-index-in-node=\"0\">Principal:<\/b> \u20b91,00,000<\/li>\n<li data-path-to-node=\"15,1,0\"><b data-path-to-node=\"15,1,0\" data-index-in-node=\"0\"><span class=\"citation-263\">Nominal Rate:<\/span><\/b><span class=\"citation-263 citation-end-263\"> 6.90%<\/span><\/li>\n<li data-path-to-node=\"15,2,0\"><b data-path-to-node=\"15,2,0\" data-index-in-node=\"0\"><span class=\"citation-262\">Effective Annual Yield:<\/span><\/b> <b data-path-to-node=\"15,2,0\" data-index-in-node=\"24\"><span class=\"citation-262 citation-end-262\">7.08%<\/span><\/b><\/li>\n<li data-path-to-node=\"15,3,0\"><b data-path-to-node=\"15,3,0\" data-index-in-node=\"0\"><span class=\"citation-261\">Total Interest Earned:<\/span><\/b><span class=\"citation-261 citation-end-261\"> \u20b97,081<\/span><\/li>\n<li id=\"p-rc_5bb9689f1c646404-655\" data-path-to-node=\"15,4,0\"><b data-path-to-node=\"15,4,0\" data-index-in-node=\"0\"><span class=\"citation-260\">Maturity Amount:<\/span><\/b><span class=\"citation-260 citation-end-260\"> \u20b91,07,081<\/span><\/li>\n<\/ul>\n<h3 data-path-to-node=\"15\"><span class=\"ez-toc-section\" id=\"Market_Comparison_Post_Office_vs_Banks_April_2026\"><\/span>Market Comparison: Post Office vs. Banks (April 2026)<span class=\"ez-toc-section-end\"><\/span><\/h3>\n<p data-path-to-node=\"16\">Despite the safety of a <a href=\"https:\/\/goldenpi.com\/blog\/short-term-fixed-deposits\/6-differences-between-post-office-fd-and-bank-fd\/\">sovereign backing<\/a>, the Post Office faces stiff competition from <b data-path-to-node=\"16\" data-index-in-node=\"88\"><a href=\"https:\/\/goldenpi.com\/fixed-deposits\/fd-details\/GPID105191\/suryoday-small-finance-bank-cfd-yield\">Small Finance Banks<\/a> (SFBs)<\/b> which continue to offer aggressive rates to build their deposit base in 2026.<\/p>\n<div class=\"pcrstb-wrap\"><table data-path-to-node=\"23\">\n<thead>\n<tr>\n<td><strong>Institution<\/strong><\/td>\n<td><strong>1-Year Rate (Regular)<\/strong><\/td>\n<td><strong>1-Year Rate (Senior Citizen)<\/strong><\/td>\n<\/tr>\n<\/thead>\n<tbody>\n<tr>\n<td><span data-path-to-node=\"23,1,0,0\"><b data-path-to-node=\"23,1,0,0\" data-index-in-node=\"0\">Post Office TD<\/b><\/span><\/td>\n<td><span data-path-to-node=\"23,1,1,0\"><b data-path-to-node=\"23,1,1,0\" data-index-in-node=\"0\">6.90%<\/b><\/span><\/td>\n<td><span data-path-to-node=\"23,1,2,0\"><b data-path-to-node=\"23,1,2,0\" data-index-in-node=\"0\">6.90%<\/b><\/span><\/td>\n<\/tr>\n<tr>\n<td><span data-path-to-node=\"23,2,0,0\"><b data-path-to-node=\"23,2,0,0\" data-index-in-node=\"0\">Suryoday SFB<\/b><\/span><\/td>\n<td><span data-path-to-node=\"23,2,1,0\">7.90%<\/span><\/td>\n<td><span data-path-to-node=\"23,2,2,0\">8.40%<\/span><\/td>\n<\/tr>\n<tr>\n<td><span data-path-to-node=\"23,3,0,0\"><b data-path-to-node=\"23,3,0,0\" data-index-in-node=\"0\">RBL Bank<\/b><\/span><\/td>\n<td><span data-path-to-node=\"23,3,1,0\">7.25%<\/span><\/td>\n<td><span data-path-to-node=\"23,3,2,0\">7.75%<\/span><\/td>\n<\/tr>\n<tr>\n<td><span data-path-to-node=\"23,4,0,0\"><b data-path-to-node=\"23,4,0,0\" data-index-in-node=\"0\">State Bank of India (SBI)<\/b><\/span><\/td>\n<td><span data-path-to-node=\"23,4,1,0\">6.80%<\/span><\/td>\n<td><span data-path-to-node=\"23,4,2,0\">7.30%<\/span><\/td>\n<\/tr>\n<\/tbody>\n<\/table><\/div>\n<p>Rates are indicative for deposits below \u20b93 Crore.<\/p>\n<h2 class=\"\" data-path-to-node=\"18\"><span class=\"ez-toc-section\" id=\"Benefits_of_Post_Office_1-Year_FDs\"><\/span>Benefits of Post Office 1-Year FDs<span class=\"ez-toc-section-end\"><\/span><\/h2>\n<p data-path-to-node=\"19\"><span class=\"\">The 1-year TD is designed for liquidity and safety.<\/span><span class=\"\"> Its primary benefits include:<\/span><\/p>\n<ul data-path-to-node=\"20\">\n<li>\n<p data-path-to-node=\"20,0,0\"><b class=\"\" data-path-to-node=\"20,0,0\" data-index-in-node=\"0\">Sovereign Safety:<\/b><span class=\"\"> 100% capital protection under the Ministry of Finance.<\/span><\/p>\n<\/li>\n<li>\n<p data-path-to-node=\"20,1,0\"><b class=\"\" data-path-to-node=\"20,1,0\" data-index-in-node=\"0\">Low Entry Threshold:<\/b><span class=\"\"> Start with as little as <\/span><b class=\"\" data-path-to-node=\"20,1,0\" data-index-in-node=\"45\">\u20b91,000<\/b><span class=\"\">.<\/span><span class=\"\"> There is no upper limit on investment.<\/span><\/p>\n<\/li>\n<li>\n<p data-path-to-node=\"20,2,0\"><b class=\"\" data-path-to-node=\"20,2,0\" data-index-in-node=\"0\">Ease of Collateral:<\/b><span class=\"\"> These deposits are widely accepted as collateral\/pledge for securing loans from various financial institutions.<\/span><\/p>\n<\/li>\n<li>\n<p data-path-to-node=\"20,3,0\"><b class=\"\" data-path-to-node=\"20,3,0\" data-index-in-node=\"0\">Digital Accessibility:<\/b><span class=\"\"> Deposits can now be managed via the <\/span><b class=\"\" data-path-to-node=\"20,3,0\" data-index-in-node=\"59\">India Post Mobile Banking app<\/b><span class=\"\"> or Netbanking for existing savings account holders.<\/span><\/p>\n<\/li>\n<\/ul>\n<h3 data-path-to-node=\"20\"><span class=\"ez-toc-section\" id=\"Key_Features_and_%E2%80%9CFine_Print%E2%80%9D_for_2026\"><\/span>Key Features and &#8220;Fine Print&#8221; for 2026<span class=\"ez-toc-section-end\"><\/span><\/h3>\n<p data-path-to-node=\"21\">Investors should note the operational constraints that govern these deposits:<\/p>\n<ul data-path-to-node=\"22\">\n<li>\n<p id=\"p-rc_dddeab7bd4364638-608\" data-path-to-node=\"22,0,0\"><b data-path-to-node=\"22,0,0\" data-index-in-node=\"0\"><span class=\"citation-169\">Liquidity &amp; Exit:<\/span><\/b><span class=\"citation-169\"> Premature withdrawal is strictly prohibited before <\/span><b data-path-to-node=\"22,0,0\" data-index-in-node=\"69\"><span class=\"citation-169\">6 months<\/span><\/b><span class=\"citation-169 citation-end-169\">.<\/span> If closed between 6 months and 1 year, the interest is downgraded to the <b data-path-to-node=\"22,0,0\" data-index-in-node=\"152\">Post Office Savings Account rate (currently 4.0%)<\/b>.<\/p>\n<\/li>\n<li>\n<p id=\"p-rc_dddeab7bd4364638-609\" data-path-to-node=\"22,1,0\"><b data-path-to-node=\"22,1,0\" data-index-in-node=\"0\">Entry Barrier:<\/b> Extremely low. <span class=\"citation-168\">One can start with <\/span><b data-path-to-node=\"22,1,0\" data-index-in-node=\"49\"><span class=\"citation-168\">\u20b91,000<\/span><\/b><span class=\"citation-168 citation-end-168\"> and invest in multiples of \u20b9100 thereafter.<\/span> <span class=\"citation-167\">There is <\/span><b data-path-to-node=\"22,1,0\" data-index-in-node=\"109\"><span class=\"citation-167\">no upper limit<\/span><\/b><span class=\"citation-167 citation-end-167\"> on the investment amount.<\/span><\/p>\n<\/li>\n<li>\n<p id=\"p-rc_dddeab7bd4364638-610\" data-path-to-node=\"22,2,0\"><b data-path-to-node=\"22,2,0\" data-index-in-node=\"0\"><span class=\"citation-166\">Taxation:<\/span><\/b><span class=\"citation-166 citation-end-166\"> Interest income is fully taxable as per your applicable income tax slab.<\/span> There is no TDS if you submit Form 15G\/15H (if eligible), but the liability remains.<\/p>\n<\/li>\n<\/ul>\n<h3 data-path-to-node=\"24\"><span class=\"ez-toc-section\" id=\"The_Verdict_Who_Should_Invest\"><\/span>The Verdict: Who Should Invest?<span class=\"ez-toc-section-end\"><\/span><\/h3>\n<p data-path-to-node=\"25\">The 1-year Post Office FD is not a wealth-creation engine; it is a <b data-path-to-node=\"25\" data-index-in-node=\"67\">capital preservation tool<\/b>.<\/p>\n<p data-path-to-node=\"26\">It is ideally suited for:<\/p>\n<ol start=\"1\" data-path-to-node=\"27\">\n<li>\n<p data-path-to-node=\"27,0,0\"><b data-path-to-node=\"27,0,0\" data-index-in-node=\"0\">Emergency Fund Parking:<\/b> For those who want their core corpus away from the volatility of debt funds or equity.<\/p>\n<\/li>\n<li>\n<p data-path-to-node=\"27,1,0\"><b data-path-to-node=\"27,1,0\" data-index-in-node=\"0\">Conservative Surplus Management:<\/b> Retail savers who have exhausted their \u20b95 lakh DICGC limit in private banks.<\/p>\n<\/li>\n<li>\n<p data-path-to-node=\"27,2,0\"><b data-path-to-node=\"27,2,0\" data-index-in-node=\"0\">Short-term Goals:<\/b> Saving for an annual insurance premium or a vacation 12 months down the line.<\/p>\n<\/li>\n<\/ol>\n<p data-path-to-node=\"28\"><b data-path-to-node=\"28\" data-index-in-node=\"0\">Forward-Looking View:<\/b> With inflation showing signs of moderation in mid-2026, the real rate of return on a 6.9% FD is becoming more attractive. However, for those with a 12-month horizon who can tolerate slightly higher (though still regulated) risk, the SFB space offers nearly 100-150 bps of alpha over the Post Office.<\/p>\n<p data-path-to-node=\"29\">The 1-year Post Office FD remains a &#8220;buy-and-forget&#8221; instrument for conservative savers. <span class=\"citation-207\">It offers a <\/span><b data-path-to-node=\"29\" data-index-in-node=\"101\"><span class=\"citation-207\">sovereign guarantee and predictable liquidity<\/span><\/b><span class=\"citation-207 citation-end-207\">, making it superior to standard savings accounts and many public sector bank deposits.<\/span><\/p>\n<p data-path-to-node=\"30\">However, for investors seeking a higher real rate of return (inflation-adjusted), moving up the risk curve may be necessary. Platforms like <a href=\"https:\/\/goldenpi.com\/\"><b data-path-to-node=\"30\" data-index-in-node=\"140\">GoldenPi<\/b> <\/a>provide a curated marketplace where you can compare these Post Office rates against high-yielding corporate FDs from <b data-path-to-node=\"30\" data-index-in-node=\"266\">Shriram Finance or Bajaj Finance<\/b>, many of which offer monthly interest payout options\u2014a feature currently missing in the Post Office Time Deposit structure.<\/p>\n<p data-path-to-node=\"31\"><b data-path-to-node=\"31\" data-index-in-node=\"0\">Forward-Looking View:<\/b> As we progress through FY27, investors should watch the RBI\u2019s stance. If the repo rate remains elevated, the Post Office rates may see a marginal upward revision in the July-September quarter, though a status quo remains the most likely scenario.<\/p>\n<h3 data-path-to-node=\"2\"><span class=\"ez-toc-section\" id=\"Post_Office_FD_1-Year_Rate_In_India_2026_FAQs\"><\/span>Post Office FD 1-Year Rate In India: 2026 FAQs<span class=\"ez-toc-section-end\"><\/span><\/h3>\n<h3 id=\"p-rc_aee11f2a3908cf9c-680\" data-path-to-node=\"3\"><span class=\"ez-toc-section\" id=\"1_What_is_the_current_1-year_Post_Office_FD_interest_rate_in_2026\"><\/span><b data-path-to-node=\"3\" data-index-in-node=\"0\">1. <span class=\"citation-321\">What is the current 1-year Post Office FD interest rate in 2026?<\/span><\/b><span class=\"ez-toc-section-end\"><\/span><\/h3>\n<p data-path-to-node=\"3\"><span class=\"citation-321\">As of <\/span><b data-path-to-node=\"3\" data-index-in-node=\"74\"><span class=\"citation-321\">April 2026<\/span><\/b><span class=\"citation-321\">, the Post Office 1-year Time Deposit (TD) interest rate is <\/span><b data-path-to-node=\"3\" data-index-in-node=\"144\"><span class=\"citation-321\">6.90% p.a.<\/span><\/b><span class=\"citation-321 citation-end-321\"> This rate is reviewed quarterly by the Ministry of Finance and applies uniformly to both regular depositors and senior citizens.<\/span><\/p>\n<h3 id=\"p-rc_aee11f2a3908cf9c-681\" data-path-to-node=\"4\"><span class=\"ez-toc-section\" id=\"2_How_is_interest_on_a_1-year_Post_Office_FD_calculated\"><\/span><b data-path-to-node=\"4\" data-index-in-node=\"0\">2. <span class=\"citation-320\">How is interest on a 1-year Post Office FD calculated?<\/span><\/b><span class=\"ez-toc-section-end\"><\/span><\/h3>\n<p data-path-to-node=\"4\"><span class=\"citation-320\">Interest is calculated using <\/span><b data-path-to-node=\"4\" data-index-in-node=\"87\"><span class=\"citation-320\">quarterly compounding<\/span><\/b><span class=\"citation-320\"> but is paid out <\/span><b data-path-to-node=\"4\" data-index-in-node=\"125\"><span class=\"citation-320\">annually<\/span><\/b><span class=\"citation-320 citation-end-320\">.<\/span> While the nominal rate is 6.90%, the quarterly compounding frequency pushes the <b data-path-to-node=\"4\" data-index-in-node=\"215\">effective annual yield to 7.08%<\/b>.<\/p>\n<h3 data-path-to-node=\"5\"><span class=\"ez-toc-section\" id=\"3_Can_I_make_premature_withdrawals_from_my_1-year_Post_Office_FD\"><\/span><b data-path-to-node=\"5\" data-index-in-node=\"0\">3. Can I make premature withdrawals from my 1-year Post Office FD?<\/b><span class=\"ez-toc-section-end\"><\/span><\/h3>\n<p data-path-to-node=\"5\">Yes, but with strict penalties:<\/p>\n<ul>\n<li id=\"p-rc_aee11f2a3908cf9c-682\" data-path-to-node=\"6,0,0\"><b data-path-to-node=\"6,0,0\" data-index-in-node=\"0\">Before 6 Months:<\/b><span class=\"citation-319 citation-end-319\"> No withdrawal is permitted.<\/span><\/li>\n<li id=\"p-rc_aee11f2a3908cf9c-683\" data-path-to-node=\"6,1,0\"><b data-path-to-node=\"6,1,0\" data-index-in-node=\"0\"><span class=\"citation-318\">Between 6 and 12 Months:<\/span><\/b><span class=\"citation-318\"> The account can be closed, but you will only receive interest at the <\/span><b data-path-to-node=\"6,1,0\" data-index-in-node=\"94\"><span class=\"citation-318\">Post Office Savings Account rate (currently 4.0%)<\/span><\/b><span class=\"citation-318 citation-end-318\"> instead of the contracted 6.90% rate.<\/span><\/li>\n<\/ul>\n<h3 id=\"p-rc_aee11f2a3908cf9c-684\" data-path-to-node=\"7\"><span class=\"ez-toc-section\" id=\"4_Are_there_any_tax_benefits_on_a_1-year_Post_Office_FD\"><\/span><b data-path-to-node=\"7\" data-index-in-node=\"0\">4. Are there any tax benefits on a 1-year Post Office FD?<\/b><span class=\"ez-toc-section-end\"><\/span><\/h3>\n<p data-path-to-node=\"7\">No. The principal invested in a 1-year FD does <b data-path-to-node=\"7\" data-index-in-node=\"105\">not<\/b> qualify for tax deductions. <span class=\"citation-317\">Under the <\/span><b data-path-to-node=\"7\" data-index-in-node=\"147\"><span class=\"citation-317\">New Income Tax Act 2025<\/span><\/b><span class=\"citation-317 citation-end-317\">, interest income is added to your total annual income and taxed as per your applicable slab.<\/span> <span class=\"citation-316\">Only the <\/span><b data-path-to-node=\"7\" data-index-in-node=\"273\"><span class=\"citation-316\">5-year Time Deposit<\/span><\/b><span class=\"citation-316 citation-end-316\"> qualifies for tax-saving benefits.<\/span><\/p>\n<h3 data-path-to-node=\"8\"><span class=\"ez-toc-section\" id=\"5_Is_TDS_applicable_on_Post_Office_FD_interest_in_2026\"><\/span><b data-path-to-node=\"8\" data-index-in-node=\"0\">5. Is TDS applicable on Post Office FD interest in 2026?<\/b><span class=\"ez-toc-section-end\"><\/span><\/h3>\n<p data-path-to-node=\"8\">Yes, under the new tax laws effective April 1, 2026, Post Offices must deduct TDS if total interest income across all branches exceeds:<\/p>\n<ul>\n<li id=\"p-rc_aee11f2a3908cf9c-685\" data-path-to-node=\"9,0,0\"><b data-path-to-node=\"9,0,0\" data-index-in-node=\"0\"><span class=\"citation-315\">\u20b950,000<\/span><\/b><span class=\"citation-315 citation-end-315\"> for regular individuals.<\/span><\/li>\n<li id=\"p-rc_aee11f2a3908cf9c-686\" data-path-to-node=\"9,1,0\"><b data-path-to-node=\"9,1,0\" data-index-in-node=\"0\"><span class=\"citation-314\">\u20b91,00,000<\/span><\/b><span class=\"citation-314 citation-end-314\"> for senior citizens.<\/span><\/li>\n<li id=\"p-rc_aee11f2a3908cf9c-687\" data-path-to-node=\"9,2,0\"><b data-path-to-node=\"9,2,0\" data-index-in-node=\"0\">Note:<\/b><span class=\"citation-313\"> To avoid TDS (if your total income is below the taxable limit), you may need to submit the new <\/span><b data-path-to-node=\"9,2,0\" data-index-in-node=\"101\"><span class=\"citation-313\">Form 121<\/span><\/b><span class=\"citation-313 citation-end-313\"> (which replaces the older 15G\/15H framework in certain jurisdictions under the 2025 Act).<\/span><\/li>\n<\/ul>\n<h3 id=\"p-rc_aee11f2a3908cf9c-688\" data-path-to-node=\"10\"><span class=\"ez-toc-section\" id=\"6_How_do_I_open_a_Post_Office_FD_in_2026_Offline\"><\/span><b data-path-to-node=\"10\" data-index-in-node=\"0\">6. <span class=\"citation-312\">How do I open a Post Office FD in 2026?<\/span><\/b><span class=\"citation-312\"> * <\/span><b data-path-to-node=\"10\" data-index-in-node=\"45\"><span class=\"citation-312\">Offline:<\/span><\/b><span class=\"ez-toc-section-end\"><\/span><\/h3>\n<p data-path-to-node=\"10\"><span class=\"citation-312 citation-end-312\">Visit any India Post branch with your KYC documents (Aadhaar and PAN) and a cheque\/cash for the deposit.<\/span><\/p>\n<ul data-path-to-node=\"11\">\n<li>\n<p id=\"p-rc_aee11f2a3908cf9c-689\" data-path-to-node=\"11,0,0\"><b data-path-to-node=\"11,0,0\" data-index-in-node=\"0\">Online:<\/b><span class=\"citation-311\"> If you have an existing Post Office Savings Account with <\/span><b data-path-to-node=\"11,0,0\" data-index-in-node=\"65\"><span class=\"citation-311\">Netbanking or the IPPB Mobile App<\/span><\/b><span class=\"citation-311 citation-end-311\">, you can navigate to the &#8216;Service Request&#8217; or &#8216;Investments&#8217; tab to open a Time Deposit instantly.<\/span><\/p>\n<\/li>\n<\/ul>\n<h3 id=\"p-rc_aee11f2a3908cf9c-690\" data-path-to-node=\"12\"><span class=\"ez-toc-section\" id=\"7_How_much_interest_will_I_earn_on_a_%E2%82%B91_Lakh_deposit_for_1_year\"><\/span><b data-path-to-node=\"12\" data-index-in-node=\"0\">7. <span class=\"citation-310\">How much interest will I earn on a \u20b91 Lakh deposit for 1 year?<\/span><\/b><span class=\"ez-toc-section-end\"><\/span><\/h3>\n<p data-path-to-node=\"12\"><span class=\"citation-310\">At the current rate of 6.90% with quarterly compounding, a \u20b91,00,000 investment will earn <\/span><b data-path-to-node=\"12\" data-index-in-node=\"156\"><span class=\"citation-310\">\u20b97,081 in interest<\/span><\/b><span class=\"citation-310\">, resulting in a maturity amount of <\/span><b data-path-to-node=\"12\" data-index-in-node=\"210\"><span class=\"citation-310\">\u20b91,07,081<\/span><\/b><span class=\"citation-310 citation-end-310\">.<\/span><\/p>\n<h3 id=\"p-rc_aee11f2a3908cf9c-691\" data-path-to-node=\"13\"><span class=\"ez-toc-section\" id=\"8_Can_I_extend_my_1-year_FD_after_maturity\"><\/span><b data-path-to-node=\"13\" data-index-in-node=\"0\">8. <span class=\"citation-309\">Can I extend my 1-year FD after maturity?<\/span><\/b><span class=\"ez-toc-section-end\"><\/span><\/h3>\n<p data-path-to-node=\"13\"><span class=\"citation-309\">Yes, the Post Office offers an <\/span><b data-path-to-node=\"13\" data-index-in-node=\"76\"><span class=\"citation-309\">Auto-Renewal<\/span><\/b><span class=\"citation-309 citation-end-309\"> facility.<\/span> <span class=\"citation-308 citation-end-308\">If opted for, the deposit is renewed for the same tenure at the interest rate prevailing on the date of maturity.<\/span> <span class=\"citation-307 citation-end-307\">Alternatively, you can manually extend it within the prescribed grace period.<\/span><\/p>\n<h3 id=\"p-rc_aee11f2a3908cf9c-692\" data-path-to-node=\"14\"><span class=\"ez-toc-section\" id=\"9_Does_the_Post_Office_offer_higher_rates_for_senior_citizens_on_1-year_FDs\"><\/span><b data-path-to-node=\"14\" data-index-in-node=\"0\">9. Does the Post Office offer higher rates for senior citizens on 1-year FDs?<\/b><span class=\"ez-toc-section-end\"><\/span><\/h3>\n<p data-path-to-node=\"14\">No. Unlike commercial banks which typically offer a 0.50% premium, the Post Office Time Deposit rates are the same for all age groups. <span class=\"citation-306\">Senior citizens looking for higher sovereign returns should consider the <\/span><b data-path-to-node=\"14\" data-index-in-node=\"286\"><span class=\"citation-306\">Senior Citizen Savings Scheme (SCSS)<\/span><\/b><span class=\"citation-306\">, which currently offers <\/span><b data-path-to-node=\"14\" data-index-in-node=\"347\"><span class=\"citation-306 citation-end-306\">8.2% p.a.<\/span><\/b><\/p>\n<h3 id=\"p-rc_aee11f2a3908cf9c-693\" data-path-to-node=\"15\"><span class=\"ez-toc-section\" id=\"10_Is_my_money_safe_in_a_Post_Office_FD\"><\/span><b data-path-to-node=\"15\" data-index-in-node=\"0\">10. <span class=\"citation-305\">Is my money safe in a Post Office FD?<\/span><\/b><span class=\"ez-toc-section-end\"><\/span><\/h3>\n<p data-path-to-node=\"15\"><span class=\"citation-305\">Post Office deposits enjoy a <\/span><b data-path-to-node=\"15\" data-index-in-node=\"71\"><span class=\"citation-305\">Sovereign Guarantee<\/span><\/b><span class=\"citation-305 citation-end-305\">, meaning they are backed by the Government of India.<\/span> This makes them safer than bank FDs, which are only insured up to \u20b95 lakh by the DICGC.<\/p>\n<p><strong>Disclaimer:\u00a0<\/strong><\/p>\n<p><span style=\"font-weight: 400;\">This information is for general information purposes only. GoldenPi makes no guarantee on the accuracy of the data provided here; the information displayed is subject to change and is provided on an as-is basis. Nothing contained herein is intended to or shall be deemed to be investment advice, implied or otherwise. Investments in the securities market are subject to market risks. Read all the offer-related documents carefully before investing.<\/span><\/p>\n<p><span style=\"font-weight: 400;\">Fixed Deposit schemes are offered by Utkarsh Small Finance Bank, which is regulated by the Reserve Bank of India. GoldenPi Securities Private Limited is a registered debt broker and acts as a distributor and not as a manufacturer of the product.<\/span><\/p>\n<p>Latest updated:7-04-2026<\/p>\n<p><!--FAQPage Code Generated by https:\/\/saijogeorge.com\/json-ld-schema-generator\/faq\/--><\/p>\n<p><script type=\"application\/ld+json\">\n{\n  \"@context\": \"https:\/\/schema.org\",\n  \"@type\": \"FAQPage\",\n  \"mainEntity\": [\n    {\n      \"@type\": \"Question\",\n      \"name\": \"What is the current 1-year Post Office FD interest rate in 2026?\",\n      \"acceptedAnswer\": {\n        \"@type\": \"Answer\",\n        \"text\": \"As of April 2026, the Post Office 1-year Time Deposit (TD) interest rate is 6.90% p.a. This rate is reviewed quarterly by the Ministry of Finance and applies uniformly to both regular depositors and senior citizens.\"\n      }\n    },\n    {\n      \"@type\": \"Question\",\n      \"name\": \"How is interest on a 1-year Post Office FD calculated?\",\n      \"acceptedAnswer\": {\n        \"@type\": \"Answer\",\n        \"text\": \"Interest is calculated using quarterly compounding but is paid out annually. While the nominal rate is 6.90%, the quarterly compounding frequency pushes the effective annual yield to 7.08%.\"\n      }\n    },\n    {\n      \"@type\": \"Question\",\n      \"name\": \"Can I make premature withdrawals from my 1-year Post Office FD?\",\n      \"acceptedAnswer\": {\n        \"@type\": \"Answer\",\n        \"text\": \"Yes, but with strict penalties: No withdrawal is permitted before 6 months. Between 6 and 12 months, the account can be closed, but you will only receive interest at the Post Office Savings Account rate (currently 4.0%) instead of the contracted 6.90% rate.\"\n      }\n    },\n    {\n      \"@type\": \"Question\",\n      \"name\": \"Are there any tax benefits on a 1-year Post Office FD?\",\n      \"acceptedAnswer\": {\n        \"@type\": \"Answer\",\n        \"text\": \"No. The principal invested in a 1-year FD does not qualify for tax deductions. Under the New Income Tax Act 2025, interest income is added to your total annual income and taxed as per your applicable slab. Only the 5-year Time Deposit qualifies for tax-saving benefits.\"\n      }\n    },\n    {\n      \"@type\": \"Question\",\n      \"name\": \"Is TDS applicable on Post Office FD interest in 2026?\",\n      \"acceptedAnswer\": {\n        \"@type\": \"Answer\",\n        \"text\": \"Yes, under new tax laws effective April 1, 2026, Post Offices deduct TDS if total interest exceeds \u20b950,000 for individuals or \u20b91,00,000 for senior citizens. To avoid TDS if below the taxable limit, you may need to submit Form 121.\"\n      }\n    },\n    {\n      \"@type\": \"Question\",\n      \"name\": \"How do I open a Post Office FD in 2026?\",\n      \"acceptedAnswer\": {\n        \"@type\": \"Answer\",\n        \"text\": \"Offline: Visit any India Post branch with KYC documents (Aadhaar and PAN) and a cheque\/cash. Online: Use the Post Office Netbanking portal or IPPB Mobile App and navigate to the 'Service Request' or 'Investments' tab to open a Time Deposit instantly.\"\n      }\n    },\n    {\n      \"@type\": \"Question\",\n      \"name\": \"How much interest will I earn on a \u20b91 Lakh deposit for 1 year?\",\n      \"acceptedAnswer\": {\n        \"@type\": \"Answer\",\n        \"text\": \"At the current rate of 6.90% with quarterly compounding, a \u20b91,00,000 investment will earn \u20b97,081 in interest, resulting in a maturity amount of \u20b91,07,081.\"\n      }\n    },\n    {\n      \"@type\": \"Question\",\n      \"name\": \"Can I extend my 1-year FD after maturity?\",\n      \"acceptedAnswer\": {\n        \"@type\": \"Answer\",\n        \"text\": \"Yes, the Post Office offers an Auto-Renewal facility where the deposit is renewed for the same tenure at the prevailing interest rate. Alternatively, you can manually extend it within the prescribed grace period.\"\n      }\n    },\n    {\n      \"@type\": \"Question\",\n      \"name\": \"Does the Post Office offer higher rates for senior citizens on 1-year FDs?\",\n      \"acceptedAnswer\": {\n        \"@type\": \"Answer\",\n        \"text\": \"No. Post Office Time Deposit rates are the same for all age groups. Senior citizens seeking higher sovereign returns should consider the Senior Citizen Savings Scheme (SCSS), which currently offers 8.2% p.a.\"\n      }\n    },\n    {\n      \"@type\": \"Question\",\n      \"name\": \"Is my money safe in a Post Office FD?\",\n      \"acceptedAnswer\": {\n        \"@type\": \"Answer\",\n        \"text\": \"Yes. Post Office deposits enjoy a Sovereign Guarantee from the Government of India. This makes them safer than bank FDs, which are only insured up to \u20b95 lakh by the DICGC.\"\n      }\n    }\n  ]\n}\n<\/script><\/p>\n","protected":false},"excerpt":{"rendered":"<p>Govt maintains steady rates for Q1 FY27; 1-year Time Deposit emerges as a potent short-term tool for conservative portfolios. The Ministry of&hellip;<\/p>\n","protected":false},"author":8,"featured_media":11941,"comment_status":"open","ping_status":"open","sticky":false,"template":"","format":"standard","meta":{"_lmt_disableupdate":"no","_lmt_disable":"","footnotes":""},"categories":[225],"tags":[182,280,302,303,304,305,306,329],"class_list":["post-10996","post","type-post","status-publish","format-standard","has-post-thumbnail","hentry","category-fixed-deposit","tag-interest-rate","tag-fixed-interest-rate","tag-post-office-fd-scheme","tag-post-office-scheme-for-senior-citizens","tag-post-office-fd-scheme-online","tag-post-office-fd-plans","tag-fixed-deposit-schemes-in-post-office","tag-fd-rates"],"yoast_head":"<!-- This site is optimized with the Yoast SEO plugin v26.6 - https:\/\/yoast.com\/wordpress\/plugins\/seo\/ -->\n<title>Post Office FD Interest Rate 2026: 1-Year TD at 6.90%<\/title>\n<meta name=\"description\" content=\"Check the latest Post Office 1-year FD interest rate for April-June 2026. Earn 6.90% p.a. with quarterly compounding (7.08% yield). 100% safe, govt-backed short-term investment guide.\" \/>\n<meta name=\"robots\" content=\"index, follow, max-snippet:-1, max-image-preview:large, max-video-preview:-1\" \/>\n<link rel=\"canonical\" href=\"https:\/\/goldenpi.com\/blog\/fixed-deposit\/post-office-one-year-fd-interest-rate-review\/\" \/>\n<meta property=\"og:locale\" content=\"en_US\" \/>\n<meta property=\"og:type\" content=\"article\" \/>\n<meta property=\"og:title\" content=\"Post Office FD Interest Rate 2026: 1-Year TD at 6.90%\" \/>\n<meta property=\"og:description\" content=\"Check the latest Post Office 1-year FD interest rate for April-June 2026. 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