{"id":16207,"date":"2026-09-16T12:02:29","date_gmt":"2026-09-16T06:32:29","guid":{"rendered":"https:\/\/goldenpi.com\/blog\/?p=16207"},"modified":"2026-09-16T12:03:06","modified_gmt":"2026-09-16T06:33:06","slug":"post-office-fd-rates-tenures-quarterly-compounding-and-annual-payouts","status":"publish","type":"post","link":"https:\/\/goldenpi.com\/blog\/fixed-deposit\/post-office-fd-rates-tenures-quarterly-compounding-and-annual-payouts\/","title":{"rendered":"Post Office FD Rates 2026 Explained: Tenures, Quarterly Compounding, and Annual Payouts"},"content":{"rendered":"<div class=\"gpi-custom-widget-box\" style=\"border-left-color: #0066cc; background-color: #f0f7ff;\">\n<div class=\"gpi-custom-widget-title\" style=\"color: #0066cc;\">\ud83d\udcdd Quick Summary:<\/div>\n<h2 class=\"gpi-custom-widget-h2-content\"><span class=\"ez-toc-section\" id=\"Post_Office_FD_rates_for_2026_stay_steady_at_69%E2%80%9375_across_1_2_3_and_5-year_tenures_unchanged_since_early_2024_This_guide_breaks_down_the_current_rate_chart_how_quarterly_compounding_actually_boosts_your_real_returns_why_interest_is_paid_annually_instead_of_monthly_and_how_Post_Office_FDs_stack_up_against_bank_FDs_on_safety_tax_and_yield\"><\/span><strong>Post Office FD rates for 2026 stay steady at 6.9%\u20137.5% across 1, 2, 3, and 5-year tenures, unchanged since early 2024. This guide breaks down the current rate chart, how quarterly compounding actually boosts your real returns, why interest is paid annually instead of monthly, and how Post Office FDs stack up against bank FDs on safety, tax, and yield.\u00a0<\/strong><span class=\"ez-toc-section-end\"><\/span><\/h2>\n<\/div>\n\n\n<p>Have you ever filled out a fixed deposit form at a post office counter and wondered why the rate on the form doesn&#8217;t match what your account earns each year? That gap isn\u2019t a calculation error; it is simply compounding at work. Post Office Fixed Deposits, also known as National Savings Time Deposits, are still a popular choice for conservative Indian savers in 2026 because they are backed by the government and have certain, predetermined tenures. <\/p><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 eztoc-toggle-hide-by-default' ><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-fd-rates-tenures-quarterly-compounding-and-annual-payouts\/#Post_Office_FD_rates_for_2026_stay_steady_at_69%E2%80%9375_across_1_2_3_and_5-year_tenures_unchanged_since_early_2024_This_guide_breaks_down_the_current_rate_chart_how_quarterly_compounding_actually_boosts_your_real_returns_why_interest_is_paid_annually_instead_of_monthly_and_how_Post_Office_FDs_stack_up_against_bank_FDs_on_safety_tax_and_yield\" >Post Office FD rates for 2026 stay steady at 6.9%\u20137.5% across 1, 2, 3, and 5-year tenures, unchanged since early 2024. This guide breaks down the current rate chart, how quarterly compounding actually boosts your real returns, why interest is paid annually instead of monthly, and how Post Office FDs stack up against bank FDs on safety, tax, and yield.\u00a0<\/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-fd-rates-tenures-quarterly-compounding-and-annual-payouts\/#Latest_Post_Office_FD_Interest_Rates_2026_Tenure-Wise\" >Latest Post Office FD Interest Rates 2026 (Tenure-Wise)<\/a><\/li><li class='ez-toc-page-1 ez-toc-heading-level-2'><a class=\"ez-toc-link ez-toc-heading-3\" href=\"https:\/\/goldenpi.com\/blog\/fixed-deposit\/post-office-fd-rates-tenures-quarterly-compounding-and-annual-payouts\/#How_Quarterly_Compounding_Actually_Works\" >How Quarterly Compounding Actually Works<\/a><\/li><li class='ez-toc-page-1 ez-toc-heading-level-2'><a class=\"ez-toc-link ez-toc-heading-4\" href=\"https:\/\/goldenpi.com\/blog\/fixed-deposit\/post-office-fd-rates-tenures-quarterly-compounding-and-annual-payouts\/#Why_Annual_Payouts_Still_Matter\" >Why Annual Payouts Still Matter<\/a><\/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-fd-rates-tenures-quarterly-compounding-and-annual-payouts\/#Is_It_Still_Worth_It_in_2026\" >Is It Still Worth It in 2026?<\/a><\/li><li class='ez-toc-page-1 ez-toc-heading-level-2'><a class=\"ez-toc-link ez-toc-heading-6\" href=\"https:\/\/goldenpi.com\/blog\/fixed-deposit\/post-office-fd-rates-tenures-quarterly-compounding-and-annual-payouts\/#Post_Office_FD_Frequently_Asked_Questions\" >Post Office FD Frequently Asked Questions<\/a><\/li><li class='ez-toc-page-1 ez-toc-heading-level-2'><a class=\"ez-toc-link ez-toc-heading-7\" href=\"https:\/\/goldenpi.com\/blog\/fixed-deposit\/post-office-fd-rates-tenures-quarterly-compounding-and-annual-payouts\/#Disclaimer\" >Disclaimer<\/a><\/li><\/ul><\/nav><\/div>\n\n\n\n\n<p>They also offer competitive rates, with the one-year deposit earning 6.9% and the five-year deposit earning 7.5%. This article walks you through the latest rate chart, how quarterly compounding quietly works in your favor even though you&#8217;re paid once a year, and how this scheme compares with a regular bank FD.\u00a0<\/p>\n\n\n\n<h2 class=\"wp-block-heading\"><span class=\"ez-toc-section\" id=\"Latest_Post_Office_FD_Interest_Rates_2026_Tenure-Wise\"><\/span><strong>Latest Post Office FD Interest Rates 2026 (Tenure-Wise)<\/strong><span class=\"ez-toc-section-end\"><\/span><\/h2>\n\n\n\n<p>Rates on small savings schemes are reviewed by the Ministry of Finance every quarter. The Post Office Time Deposit rates have remained unchanged at 6.90% to 7.50% since July\u2013September 2023, making this an unusually long period of rate stability. The current tenure-wise rates are<\/p>\n\n\n\n<figure class=\"wp-block-table\"><div class=\"pcrstb-wrap\"><table class=\"has-fixed-layout\"><tbody><tr><td><strong>Tenure<\/strong><\/td><td><strong>Interest Rate (p.a.)<\/strong><\/td><td><strong>Effective Annual Yield*<\/strong><\/td><td><strong>80C Benefit<\/strong><\/td><\/tr><tr><td>1 year<\/td><td>6.90%<\/td><td>~7.08%<\/td><td>No<\/td><\/tr><tr><td>2 years<\/td><td>7.00%<\/td><td>~7.19%<\/td><td>No<\/td><\/tr><tr><td>3 years<\/td><td>7.10%<\/td><td>~7.29%<\/td><td>No<\/td><\/tr><tr><td>5 years<\/td><td>7.50%<\/td><td>~7.71%<\/td><td>Yes<\/td><\/tr><\/tbody><\/table><\/div><\/figure>\n\n\n\n<p><em>Source: India Post<\/em><\/p>\n\n\n\n<p><em>*Effective yield reflects the impact of quarterly compounding on the stated rate.<\/em><\/p>\n\n\n\n<p>A quick note on timing: these are the rates for the July-September 2026 quarter. The next revision, for October-December 2026, is typically announced by the Finance Ministry around September 30, so it&#8217;s worth double-checking the notification before you lock in a fresh deposit this month.<\/p>\n\n\n\n<h2 class=\"wp-block-heading\"><span class=\"ez-toc-section\" id=\"How_Quarterly_Compounding_Actually_Works\"><\/span><strong>How Quarterly Compounding Actually Works<\/strong><span class=\"ez-toc-section-end\"><\/span><\/h2>\n\n\n\n<p>This is the part that confuses most people: Post Office FD interest is compounded quarterly but paid out annually. This means your money grows every quarter but only gets credited once a year.\u00a0<\/p>\n\n\n\n<p>The maturity value is calculated as<\/p>\n\n\n\n<p><strong>A = P \u00d7 (1 + r\/4)^(4t)<\/strong><\/p>\n\n\n\n<p>where P is your deposit, r is the annual rate as a decimal, and t is the tenure in years. The rate is divided by four because it compounds every quarter, and the exponent tracks how many quarters your money sits invested.<\/p>\n\n\n\n<p>For example,\u00a0 a \u20b9100,000 deposit at the 5-year rate of 7.5% compounds at 1.875% every quarter across 20 quarters and ends up being \u20b9144,995, which is \u20b944,995 in interest. Thus, the effective yield of 7.71% is higher than the headline yield of 7.5, which is because quarterly compounding is doing the quiet, extra work.<\/p>\n\n\n\n<h2 class=\"wp-block-heading\"><span class=\"ez-toc-section\" id=\"Why_Annual_Payouts_Still_Matter\"><\/span><strong>Why Annual Payouts Still Matter<\/strong><span class=\"ez-toc-section-end\"><\/span><\/h2>\n\n\n\n<p>Even though compounding happens quarterly, the interest itself is calculated quarterly and credited to your account annually. In practical terms:<\/p>\n\n\n\n<ul class=\"wp-block-list\">\n<li>Your interest earns interest between quarters. This is why the effective yield of your investment is always higher.<\/li>\n\n\n\n<li>You still only receive a lump sum credit once a year, not every three months, so this isn&#8217;t a monthly-income product.<\/li>\n\n\n\n<li>If you need regular income instead of annual payouts, the Post Office Monthly Income Scheme (POMIS) is a better fit, though it currently runs at a different rate structure.<\/li>\n\n\n\n<li>The rate that you get at the time of your deposit is guaranteed to be the rate for the entire tenure, even if interest rates change subsequently.\u00a0<\/li>\n<\/ul>\n\n\n\n<h3 class=\"wp-block-heading\">Latest Fixed Deposit Updates:<\/h3>\n\n\n<ul class=\"wp-block-latest-posts__list is-grid columns-3 wp-block-latest-posts\"><li><div class=\"wp-block-latest-posts__featured-image aligncenter\"><a href=\"https:\/\/goldenpi.com\/blog\/fixed-deposit\/post-office-fd-rates-tenures-quarterly-compounding-and-annual-payouts\/\" aria-label=\"Post Office FD Rates 2026 Explained: Tenures, Quarterly Compounding, and Annual Payouts\"><img decoding=\"async\" width=\"1024\" height=\"576\" src=\"https:\/\/d2zny4996dl67j.cloudfront.net\/blogs\/wp-content\/uploads\/2026\/09\/16120017\/Post-Office-FD-Rates-2026-Sep-1024x576.jpg\" class=\"attachment-large size-large wp-post-image\" alt=\"Post Office FD Rates 2026 Sep\" style=\"\" srcset=\"https:\/\/d2zny4996dl67j.cloudfront.net\/blogs\/wp-content\/uploads\/2026\/09\/16120017\/Post-Office-FD-Rates-2026-Sep-1024x576.jpg 1024w, https:\/\/d2zny4996dl67j.cloudfront.net\/blogs\/wp-content\/uploads\/2026\/09\/16120017\/Post-Office-FD-Rates-2026-Sep-300x169.jpg 300w, https:\/\/d2zny4996dl67j.cloudfront.net\/blogs\/wp-content\/uploads\/2026\/09\/16120017\/Post-Office-FD-Rates-2026-Sep-768x432.jpg 768w, https:\/\/d2zny4996dl67j.cloudfront.net\/blogs\/wp-content\/uploads\/2026\/09\/16120017\/Post-Office-FD-Rates-2026-Sep-1536x864.jpg 1536w, https:\/\/d2zny4996dl67j.cloudfront.net\/blogs\/wp-content\/uploads\/2026\/09\/16120017\/Post-Office-FD-Rates-2026-Sep.jpg 1600w\" sizes=\"(max-width: 1024px) 100vw, 1024px\" \/><\/a><\/div><a class=\"wp-block-latest-posts__post-title\" href=\"https:\/\/goldenpi.com\/blog\/fixed-deposit\/post-office-fd-rates-tenures-quarterly-compounding-and-annual-payouts\/\">Post Office FD Rates 2026 Explained: Tenures, Quarterly Compounding, and Annual Payouts<\/a><\/li>\n<li><div class=\"wp-block-latest-posts__featured-image aligncenter\"><a href=\"https:\/\/goldenpi.com\/blog\/fixed-deposit\/sbi-amrit-vrishti-fd-2026-is-the-444-day-fd-still-worth-it-after-the-rate-cut\/\" aria-label=\"SBI Amrit Vrishti FD 2026: Is the 444-Day FD Still Worth It After the Rate Cut?\"><img decoding=\"async\" width=\"1024\" height=\"576\" src=\"https:\/\/d2zny4996dl67j.cloudfront.net\/blogs\/wp-content\/uploads\/2026\/09\/11144843\/SBI-Amrit-Vrishti-FD-2026-1024x576.jpg\" class=\"attachment-large size-large wp-post-image\" alt=\"SBI Amrit Vrishti FD 2026\" style=\"\" srcset=\"https:\/\/d2zny4996dl67j.cloudfront.net\/blogs\/wp-content\/uploads\/2026\/09\/11144843\/SBI-Amrit-Vrishti-FD-2026-1024x576.jpg 1024w, https:\/\/d2zny4996dl67j.cloudfront.net\/blogs\/wp-content\/uploads\/2026\/09\/11144843\/SBI-Amrit-Vrishti-FD-2026-300x169.jpg 300w, https:\/\/d2zny4996dl67j.cloudfront.net\/blogs\/wp-content\/uploads\/2026\/09\/11144843\/SBI-Amrit-Vrishti-FD-2026-768x432.jpg 768w, https:\/\/d2zny4996dl67j.cloudfront.net\/blogs\/wp-content\/uploads\/2026\/09\/11144843\/SBI-Amrit-Vrishti-FD-2026-1536x864.jpg 1536w, https:\/\/d2zny4996dl67j.cloudfront.net\/blogs\/wp-content\/uploads\/2026\/09\/11144843\/SBI-Amrit-Vrishti-FD-2026.jpg 1600w\" sizes=\"(max-width: 1024px) 100vw, 1024px\" \/><\/a><\/div><a class=\"wp-block-latest-posts__post-title\" href=\"https:\/\/goldenpi.com\/blog\/fixed-deposit\/sbi-amrit-vrishti-fd-2026-is-the-444-day-fd-still-worth-it-after-the-rate-cut\/\">SBI Amrit Vrishti FD 2026: Is the 444-Day FD Still Worth It After the Rate Cut?<\/a><\/li>\n<li><div class=\"wp-block-latest-posts__featured-image aligncenter\"><a href=\"https:\/\/goldenpi.com\/blog\/fixed-deposit\/kotak-fixed-deposit-interest-rates-flexi-fd-comparison\/\" aria-label=\"Kotak FD Rates Sep 2026: Interest Rates, Flexi FD &amp; Comparison\"><img decoding=\"async\" width=\"1024\" height=\"576\" src=\"https:\/\/d2zny4996dl67j.cloudfront.net\/blogs\/wp-content\/uploads\/2026\/09\/08161932\/Kotak-Mahindra-Banks-FD-rates-1024x576.jpg\" class=\"attachment-large size-large wp-post-image\" alt=\"Kotak Mahindra Bank&#039;s FD rates\" style=\"\" srcset=\"https:\/\/d2zny4996dl67j.cloudfront.net\/blogs\/wp-content\/uploads\/2026\/09\/08161932\/Kotak-Mahindra-Banks-FD-rates-1024x576.jpg 1024w, https:\/\/d2zny4996dl67j.cloudfront.net\/blogs\/wp-content\/uploads\/2026\/09\/08161932\/Kotak-Mahindra-Banks-FD-rates-300x169.jpg 300w, https:\/\/d2zny4996dl67j.cloudfront.net\/blogs\/wp-content\/uploads\/2026\/09\/08161932\/Kotak-Mahindra-Banks-FD-rates-768x432.jpg 768w, https:\/\/d2zny4996dl67j.cloudfront.net\/blogs\/wp-content\/uploads\/2026\/09\/08161932\/Kotak-Mahindra-Banks-FD-rates-1536x864.jpg 1536w, https:\/\/d2zny4996dl67j.cloudfront.net\/blogs\/wp-content\/uploads\/2026\/09\/08161932\/Kotak-Mahindra-Banks-FD-rates.jpg 1600w\" sizes=\"(max-width: 1024px) 100vw, 1024px\" \/><\/a><\/div><a class=\"wp-block-latest-posts__post-title\" href=\"https:\/\/goldenpi.com\/blog\/fixed-deposit\/kotak-fixed-deposit-interest-rates-flexi-fd-comparison\/\">Kotak FD Rates Sep 2026: Interest Rates, Flexi FD &amp; Comparison<\/a><\/li>\n<\/ul>\n\n\n<h2 class=\"wp-block-heading\"><span class=\"ez-toc-section\" id=\"Is_It_Still_Worth_It_in_2026\"><\/span><strong>Is It Still Worth It in 2026?<\/strong><span class=\"ez-toc-section-end\"><\/span><\/h2>\n\n\n\n<p>Post Office FDs aren&#8217;t going to offer the highest rate on the board; some small finance banks and corporate FDs pay more. What they offer instead is certainty: a sovereign guarantee, no senior citizen rate gap, and a fixed rate that survives any mid-tenure rate cuts.<\/p>\n\n\n\n<p>This makes them a good fit for conservative money\u2014emergency funds, a child&#8217;s education corpus, or simply balancing out an equity-heavy portfolio. They&#8217;re less suited to anyone optimizing for post-tax returns, since interest is fully taxable with no indexation benefit.<\/p>\n\n\n\n<p>One practical tip: rather than putting your money in a single 5-year deposit, you should ladder your deposits across different terms (1-, 2-, 3-, and 5-year deposits) so that you don&#8217;t have all your money locked up for 5 years at the rate you are getting now, and a portion of your money gets unlocked every year. And if you&#8217;re opening a fresh deposit in the next few weeks, keep an eye on the October\u2013December 2026 rate notification before you commit, especially for the 5-year tenure.<\/p>\n\n\n\n<p>Bottom line: Post Office FDs remain a solid, low-drama building block for a conservative portfolio in 2026. Just pair the headline rate with a little planning around tenure and timing.<\/p>\n\n\n\n<h2 class=\"wp-block-heading\"><span class=\"ez-toc-section\" id=\"Post_Office_FD_Frequently_Asked_Questions\"><\/span><strong>Post Office FD Frequently Asked Questions<\/strong><span class=\"ez-toc-section-end\"><\/span><\/h2>\n\n\n\n<div class=\"schema-faq wp-block-yoast-faq-block\"><div class=\"schema-faq-section\" id=\"faq-question-1789475016066\"><strong class=\"schema-faq-question\">Q1. <strong>What tenures are available for Post Office FDs?<\/strong><\/strong> <p class=\"schema-faq-answer\">Post Office Time Deposits are available for 1, 2, 3, and 5 years. The applicable interest rate depends on the tenure selected.<\/p> <\/div> <div class=\"schema-faq-section\" id=\"faq-question-1789475026997\"><strong class=\"schema-faq-question\">Q2. <strong>Is Post Office FD interest compounded monthly or quarterly?<\/strong><\/strong> <p class=\"schema-faq-answer\">The interest is calculated and compounded quarterly, although it is paid to the account holder annually.<\/p> <\/div> <div class=\"schema-faq-section\" id=\"faq-question-1789475040809\"><strong class=\"schema-faq-question\">Q3. <strong>What does \u201ccompounded quarterly but paid annually\u201d mean?<\/strong><\/strong> <p class=\"schema-faq-answer\">It means interest is calculated on a quarterly basis, but the interest amount is credited to the investor&#8217;s account at the end of each year. The quarterly calculation does not mean that investors receive four separate payouts every year.<\/p> <\/div> <div class=\"schema-faq-section\" id=\"faq-question-1789475055571\"><strong class=\"schema-faq-question\">Q4. <strong>Can I choose monthly interest payouts from a Post Office FD?<\/strong><\/strong> <p class=\"schema-faq-answer\">No. The standard Post Office Time Deposit structure provides for annual interest payment, not a monthly payout option. Investors looking specifically for monthly income may need to consider a different Post Office scheme.<\/p> <\/div> <div class=\"schema-faq-section\" id=\"faq-question-1789475072292\"><strong class=\"schema-faq-question\">Q5. <strong>What is the minimum investment in a Post Office Time Deposit?<\/strong><\/strong> <p class=\"schema-faq-answer\">The minimum deposit is generally \u20b91,000, with deposits accepted in multiples of \u20b9100 thereafter. Investors should verify the latest operational rules before opening an account.<\/p> <\/div> <div class=\"schema-faq-section\" id=\"faq-question-1789475086095\"><strong class=\"schema-faq-question\">Q6. <strong>Is there a maximum investment limit for a Post Office Time Deposit?<\/strong><\/strong> <p class=\"schema-faq-answer\">There is generally no maximum deposit limit for a Post Office Time Deposit, although the applicable scheme rules should be checked before investing a large amount.<\/p> <\/div> <\/div>\n\n\n<div class=\"gpi-custom-widget-box\" style=\"border-left-color: #0066cc; background-color: #f0f7ff;\">\n<div class=\"gpi-custom-widget-title\" style=\"color: #0066cc;\">Ready to Invest?<\/div>\n<div class=\"gpi-custom-widget-content\">\n<p>Visit <a href=\"https:\/\/goldenpi.com\/\">GoldenPi<\/a> to explore current bond options. Compare yields, ratings, and tenures in one place and invest online with as little as \u20b930,000.<\/p>\n<\/div>\n<\/div>\n\n\n<h2 class=\"wp-block-heading\"><span class=\"ez-toc-section\" id=\"Disclaimer\"><\/span>Disclaimer<span class=\"ez-toc-section-end\"><\/span><\/h2>\n\n\n\n<p>Fixed returns do not constitute guaranteed or assured returns. Investments in corporate debt securities and municipal debt securities\/securitized debt instruments are subject to credit risks, market risks, and default risks, including delay and\/or default in payment. Read all the offer-related documents carefully. This blog\/article should not be construed as financial advice or as an offer or recommendation to buy or sell any security or any products\/services of\/on GoldenPi or any product\/services of its third-party client(s). For a detailed calculation of YTM, visit our website.&nbsp;<a href=\"https:\/\/delivery.goldenpi.com\/XPRBSN?id=162365=ch0GCFVXBVBUH1QDUlZXUlgBVgNSUwJVWgQGDFJQAVsEUwRfBldSBFVUAglRBFJSAA0ZBgxfQFBbERxBFSNTV10FU1cTDBgFDg5OAFIKVVFQBlZTVwQBBgFSAg0aC0BMQRIMFkwBUwoIFVdDHBwCCw1QAAsTWBpSVwgebDYxdmt\/Xl9dHxMF&amp;fl=WRVCSRBfGUkETltfVwNLAxVbCQwNWhpYVkpFGwMOBRcEWQMNUEoHSQJaV1BQAQQHTAZXA1IcAAMOBBxWB1IMFQUEVQxXXAEFBVQEUkpTVlMCUFEHU1JVAwhUAFECAQZaVFEADVAAVQBXVFRUUw==\" target=\"_blank\" rel=\"noreferrer noopener\">T&amp;C\u2019s Apply<\/a>.<\/p>\n","protected":false},"excerpt":{"rendered":"<p>\ud83d\udcdd Quick Summary: Post Office FD rates for 2026 stay steady at 6.9%\u20137.5% across 1, 2, 3, and 5-year tenures, unchanged since&hellip;<\/p>\n","protected":false},"author":15,"featured_media":16210,"comment_status":"open","ping_status":"open","sticky":false,"template":"","format":"standard","meta":{"_lmt_disableupdate":"","_lmt_disable":"","footnotes":""},"categories":[225,25],"tags":[],"class_list":["post-16207","post","type-post","status-publish","format-standard","has-post-thumbnail","hentry","category-fixed-deposit","category-bond-news"],"yoast_head":"<!-- This site is optimized with the Yoast SEO plugin v27.6 - https:\/\/yoast.com\/product\/yoast-seo-wordpress\/ -->\n<title>Post Office FD Rates 2026: Tenures, Quarterly Compounding &amp; Annual Payouts<\/title>\n<meta name=\"description\" content=\"Post Office FD rates 2026 explained: compare 1, 2, 3 and 5-year tenures, quarterly compounding, annual interest payouts, maturity returns and tax rules.\" \/>\n<meta name=\"robots\" content=\"index, follow, max-snippet:-1, max-image-preview:large, max-video-preview:-1\" \/>\n<link rel=\"canonical\" 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