{"id":9847,"date":"2025-09-20T06:20:57","date_gmt":"2025-09-20T06:20:57","guid":{"rendered":"https:\/\/goldenpi.com\/blog\/?p=9847"},"modified":"2026-02-24T08:56:14","modified_gmt":"2026-02-24T08:56:14","slug":"post-office-fd-interest-rates-2025","status":"publish","type":"post","link":"https:\/\/goldenpi.com\/blog\/post-office-fd-scheme\/post-office-fd-interest-rates-2025\/","title":{"rendered":"Post Office FD Interest Rate 2025"},"content":{"rendered":"<p><span style=\"font-weight: 400;\">Do you think post offices only offer courier services? Nope! The Department of Posts also runs several <\/span><a href=\"https:\/\/goldenpi.com\/blog\/post-office-fd-scheme\/post-office-investment-schemes-in-india\/\"><span style=\"font-weight: 400;\">small savings schemes<\/span><\/a><span style=\"font-weight: 400;\"> (also known as National Savings Schemes). They allow fixed-income investors to earn guaranteed returns on their investments. These schemes are managed by the National Savings Institute, which comes under the Union Ministry of Finance.\u00a0<\/span><\/p>\n<p><span style=\"font-weight: 400;\">Now, out of the many options is the National Savings Time Deposit (TD). It is a <\/span><span style=\"font-weight: 400;\">Post Office FD scheme<\/span><span style=\"font-weight: 400;\"> where you can invest from 1 year to 5 years.<\/span> <span style=\"font-weight: 400;\">As of September 19, 2025, you can earn up to 7.70% p.a. on a 5-year TD. These deposits are 100% backed by the Government of India, so your money is fully secure. This makes them one of the safest ways to save.<\/span><\/p>\n<p><i><span style=\"font-weight: 400;\">Need more information?<\/span><\/i><span style=\"font-weight: 400;\"> Read this article to know everything about the <\/span><span style=\"font-weight: 400;\">post office FD scheme and <\/span><span style=\"font-weight: 400;\">the latest <\/span><span style=\"font-weight: 400;\">post office interest rates.<\/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\/post-office-fd-scheme\/post-office-fd-interest-rates-2025\/#Latest_Post_Office_FD_Interest_Rate_2025\" >Latest Post Office FD Interest Rate 2025<\/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\/post-office-fd-scheme\/post-office-fd-interest-rates-2025\/#What_is_the_Role_of_Bond_Yields_in_Deciding_Post_Office_FD_Interest_Rate\" >What is the Role of Bond Yields in Deciding Post Office FD Interest Rate?<\/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\/post-office-fd-scheme\/post-office-fd-interest-rates-2025\/#Who_Can_Invest_in_the_Post_Office_FD_Scheme\" >Who Can Invest in the Post Office FD Scheme?<\/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\/post-office-fd-scheme\/post-office-fd-interest-rates-2025\/#What_are_the_Post_Office_FD_Break_Rules\" >What are the Post Office FD Break Rules?<\/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\/post-office-fd-scheme\/post-office-fd-interest-rates-2025\/#Can_the_Post_Office_FD_Scheme_Be_Extended\" >Can the Post Office FD Scheme Be Extended?<\/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\/post-office-fd-scheme\/post-office-fd-interest-rates-2025\/#Want_More_Options_Book_Leading_Bank_and_NBFC_FDs_Online_Using_the_GoldenPi_Platform\" >Want More Options? Book Leading Bank and NBFC FDs Online Using the GoldenPi Platform!<\/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\/post-office-fd-scheme\/post-office-fd-interest-rates-2025\/#Post_Office_FD_Interest_Rate_FAQs\" >Post Office FD Interest Rate FAQs<\/a><ul class='ez-toc-list-level-3' ><li class='ez-toc-heading-level-3'><a class=\"ez-toc-link ez-toc-heading-8\" href=\"https:\/\/goldenpi.com\/blog\/post-office-fd-scheme\/post-office-fd-interest-rates-2025\/#1_Are_Post_Office_FDs_safe\" >1. Are Post Office FDs safe?<\/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\/post-office-fd-scheme\/post-office-fd-interest-rates-2025\/#2_What_is_the_maximum_Post_Office_FD_amount_limit_in_2026\" >2. What is the maximum Post Office FD amount limit 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\/post-office-fd-scheme\/post-office-fd-interest-rates-2025\/#3_What_extra_do_senior_citizens_get_in_the_Post_Office_FD_scheme\" >3. What extra do senior citizens get in the Post Office FD scheme?<\/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\/post-office-fd-scheme\/post-office-fd-interest-rates-2025\/#4_Is_interest_compounded_quarterly_in_Post_Office_FDs\" >4. Is interest compounded quarterly in Post Office FDs?<\/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\/post-office-fd-scheme\/post-office-fd-interest-rates-2025\/#5_Can_I_book_a_5-year_TD_and_choose_to_pay_interest_at_maturity\" >5. Can I book a 5-year TD and choose to pay interest at maturity?<\/a><\/li><\/ul><\/li><li class='ez-toc-page-1 ez-toc-heading-level-2'><a class=\"ez-toc-link ez-toc-heading-13\" href=\"https:\/\/goldenpi.com\/blog\/post-office-fd-scheme\/post-office-fd-interest-rates-2025\/#Disclaimer\" >Disclaimer:\u00a0<\/a><\/li><\/ul><\/nav><\/div>\n<h2><span class=\"ez-toc-section\" id=\"Latest_Post_Office_FD_Interest_Rate_2025\"><\/span><span style=\"font-weight: 400;\">Latest <\/span><span style=\"font-weight: 400;\">Post Office FD Interest Rate 2025<\/span><span class=\"ez-toc-section-end\"><\/span><\/h2>\n<p><span style=\"font-weight: 400;\">In the <\/span><span style=\"font-weight: 400;\">Post Office FD scheme<\/span><span style=\"font-weight: 400;\">, you can <\/span><a href=\"https:\/\/goldenpi.com\/blog\/fixed-deposit\/post-office-one-year-fd-interest-rate-review\/\"><span style=\"font-weight: 400;\">invest for 1 year<\/span><\/a><span style=\"font-weight: 400;\">, 2 years, 3 years, or 5 years. The interest rates are revised quarterly by the Government of India. However, the interest rate once booked remains fixed for the entire investment duration.\u00a0<\/span><\/p>\n<p><span style=\"font-weight: 400;\">It is worth mentioning that the <\/span><span style=\"font-weight: 400;\">Post Office FD interest rates<\/span><span style=\"font-weight: 400;\"> have remained stable for the past seven quarters. The last modification in the rates was made for the fourth quarter of 2023-24. Now, the interest rates are again subject to revision on September 30, 2025.\u00a0<\/span><\/p>\n<p><span style=\"font-weight: 400;\">For your reference, below are the latest post office FD interest rates (applicable from July 1, 2025, to September 30, 2025):<\/span><\/p>\n<div class=\"pcrstb-wrap\"><table>\n<thead>\n<tr>\n<th><span style=\"font-weight: 400;\">FD Tenure<\/span><\/th>\n<th><span style=\"font-weight: 400;\">Interest Rates<\/span><\/th>\n<\/tr>\n<\/thead>\n<tbody>\n<tr>\n<td><span style=\"font-weight: 400;\">1 year<\/span><\/td>\n<td><span style=\"font-weight: 400;\">6.90%<\/span><\/td>\n<\/tr>\n<tr>\n<td><span style=\"font-weight: 400;\">2 year<\/span><\/td>\n<td><span style=\"font-weight: 400;\">7.00%<\/span><\/td>\n<\/tr>\n<tr>\n<td><span style=\"font-weight: 400;\">3 year<\/span><\/td>\n<td><span style=\"font-weight: 400;\">7.10%<\/span><\/td>\n<\/tr>\n<tr>\n<td><span style=\"font-weight: 400;\">5 year<\/span><\/td>\n<td><span style=\"font-weight: 400;\">7.50%<\/span><\/td>\n<\/tr>\n<\/tbody>\n<\/table><\/div>\n<p><span style=\"font-weight: 400;\">Please note that the 5-year TD also qualifies as a tax-saving investment under Section 80C of the Income Tax Act. 100% of the amount invested in this scheme can be deducted from your taxable income up to \u20b91.5 lakhs in a financial year.\u00a0<\/span><\/p>\n<h2><span class=\"ez-toc-section\" id=\"What_is_the_Role_of_Bond_Yields_in_Deciding_Post_Office_FD_Interest_Rate\"><\/span><span style=\"font-weight: 400;\">What is the Role of Bond Yields in Deciding <\/span><span style=\"font-weight: 400;\">Post Office FD Interest Rate<\/span><span style=\"font-weight: 400;\">?<\/span><span class=\"ez-toc-section-end\"><\/span><\/h2>\n<p><span style=\"font-weight: 400;\">As an investor, you must realize that <\/span><span style=\"font-weight: 400;\">Post Office FD interest rates<\/span><span style=\"font-weight: 400;\"> are designed to move in line with \u201cgovernment bond yields\u201d. For those unaware, these are returns on government securities, called G-secs.\u00a0<\/span><\/p>\n<p><span style=\"font-weight: 400;\">Now, these G-sec returns are linked to repo rate movements and are used by the government as a benchmark for setting interest rates on small savings schemes like National Savings Time Deposit (TD). For example,\u00a0<\/span><\/p>\n<ul>\n<li style=\"font-weight: 400;\" aria-level=\"1\"><span style=\"font-weight: 400;\">Say the 5-year government bond (G-sec) is giving 7.25% p.a.<\/span><\/li>\n<li style=\"font-weight: 400;\" aria-level=\"1\"><span style=\"font-weight: 400;\">Now, the Post Office 5-year TD will usually be set at that rate + 0.25% p.a. extra (known as a spread).<\/span><\/li>\n<li style=\"font-weight: 400;\" aria-level=\"1\"><span style=\"font-weight: 400;\">Thus, the final interest rate offered to investors will be 7.50% p.a.<\/span><\/li>\n<\/ul>\n<p><span style=\"font-weight: 400;\">However, be aware that the final decision related to the <\/span><span style=\"font-weight: 400;\">post office interest rates<\/span><span style=\"font-weight: 400;\"> lies with the government, and it can keep rates higher or lower depending on policy needs.<\/span><\/p>\n<h2><span class=\"ez-toc-section\" id=\"Who_Can_Invest_in_the_Post_Office_FD_Scheme\"><\/span><span style=\"font-weight: 400;\">Who Can Invest in the <\/span><span style=\"font-weight: 400;\">Post Office FD Scheme<\/span><span style=\"font-weight: 400;\">?<\/span><span class=\"ez-toc-section-end\"><\/span><\/h2>\n<p><span style=\"font-weight: 400;\">A post office term deposit can be opened in various modes:<\/span><\/p>\n<div class=\"pcrstb-wrap\"><table>\n<thead>\n<tr>\n<th><span style=\"font-weight: 400;\">Mode I: Single Account<\/span><\/th>\n<th><span style=\"font-weight: 400;\">Mode II: Joint Account<\/span><\/th>\n<th><span style=\"font-weight: 400;\">Mode III: Minor Accounts<\/span><\/th>\n<\/tr>\n<\/thead>\n<tbody>\n<tr>\n<td><span style=\"font-weight: 400;\">Any resident Indian adult can open a single account in his or her name.<\/span><\/td>\n<td>\n<ul>\n<li style=\"font-weight: 400;\" aria-level=\"1\"><span style=\"font-weight: 400;\">Up to 3 adults can open a joint account.<\/span><\/li>\n<li style=\"font-weight: 400;\" aria-level=\"1\"><span style=\"font-weight: 400;\">The two types of joint accounts available are:<\/span>\n<ul>\n<li style=\"font-weight: 400;\" aria-level=\"2\"><span style=\"font-weight: 400;\">Joint A: All account holders must sign to operate.<\/span><\/li>\n<li style=\"font-weight: 400;\" aria-level=\"2\"><span style=\"font-weight: 400;\">Joint B: Any one account holder can operate.<\/span><\/li>\n<\/ul>\n<\/li>\n<\/ul>\n<\/td>\n<td>\n<ul>\n<li style=\"font-weight: 400;\" aria-level=\"1\"><span style=\"font-weight: 400;\">A guardian can open an account for a minor (child below 18) or for a person who is not mentally sound (called \u201cAuthorised Account\u201d).<\/span><\/li>\n<li style=\"font-weight: 400;\" aria-level=\"1\"><span style=\"font-weight: 400;\">A minor aged 10 years or above can open and manage an account in their own name.<\/span><\/li>\n<\/ul>\n<\/td>\n<\/tr>\n<\/tbody>\n<\/table><\/div>\n<p><span style=\"font-weight: 400;\">Looking for more fixed income options? <\/span><a href=\"https:\/\/goldenpi.com\/fixed-deposits\"><span style=\"font-weight: 400;\">Explore the GoldenPi platform<\/span><\/a><span style=\"font-weight: 400;\"> and check out some popular non-market-linked options offered by leading small finance banks and NBFCs.\u00a0<\/span><\/p>\n<h2><span class=\"ez-toc-section\" id=\"What_are_the_Post_Office_FD_Break_Rules\"><\/span><span style=\"font-weight: 400;\">What are the <\/span><span style=\"font-weight: 400;\">Post Office FD Break Rules<\/span><span style=\"font-weight: 400;\">?<\/span><span class=\"ez-toc-section-end\"><\/span><\/h2>\n<p><span style=\"font-weight: 400;\">The <\/span><span style=\"font-weight: 400;\">Post Office FD scheme <\/span><span style=\"font-weight: 400;\">carries a sovereign guarantee and offers guaranteed returns. However, it has strict rules if you want to take out money before the maturity date. These rules decide whether you get reduced interest or only savings account interest.\u00a0<\/span><\/p>\n<p><span style=\"font-weight: 400;\">Let\u2019s check out the latest premature withdrawal rules for post office FDs:<\/span><\/p>\n<div class=\"pcrstb-wrap\"><table>\n<thead>\n<tr>\n<th><span style=\"font-weight: 400;\">FD Tenure<\/span><\/th>\n<th><span style=\"font-weight: 400;\">When you can close<\/span><\/th>\n<th><span style=\"font-weight: 400;\">Interest you will get<\/span><\/th>\n<\/tr>\n<\/thead>\n<tbody>\n<tr>\n<td><span style=\"font-weight: 400;\">Any duration<\/span><\/td>\n<td><span style=\"font-weight: 400;\">Cannot withdraw before 6 months from the date of deposit.<\/span><\/td>\n<td>\n<ul>\n<li style=\"font-weight: 400;\" aria-level=\"1\"><span style=\"font-weight: 400;\">No withdrawal allowed<\/span><\/li>\n<li style=\"font-weight: 400;\" aria-level=\"1\"><span style=\"font-weight: 400;\">6 months is the compulsory lock-in period<\/span><\/li>\n<\/ul>\n<\/td>\n<\/tr>\n<tr>\n<td><span style=\"font-weight: 400;\">1\/2\/3 years<\/span><\/td>\n<td><span style=\"font-weight: 400;\">Closed after 6 months but before 1 year.<\/span><\/td>\n<td>\n<ul>\n<li style=\"font-weight: 400;\" aria-level=\"1\"><span style=\"font-weight: 400;\">Only Post Office Savings Account interest for completed months will be paid.<\/span><\/li>\n<\/ul>\n<\/td>\n<\/tr>\n<tr>\n<td><span style=\"font-weight: 400;\">2 years or 3 years<\/span><\/td>\n<td><span style=\"font-weight: 400;\">Closed after 1 year but before maturity.<\/span><\/td>\n<td>\n<ul>\n<li style=\"font-weight: 400;\" aria-level=\"1\"><span style=\"font-weight: 400;\">Interest = TD rate for 1-year\/2-year FD (as applicable) minus 2% for completed years.<\/span><\/li>\n<li style=\"font-weight: 400;\" aria-level=\"1\"><span style=\"font-weight: 400;\">For extra months (less than 1 year), the Savings Account rate will apply.<\/span><\/li>\n<\/ul>\n<\/td>\n<\/tr>\n<tr>\n<td><span style=\"font-weight: 400;\">5 years<\/span><\/td>\n<td><span style=\"font-weight: 400;\">Cannot be closed before 4 years.<\/span><\/td>\n<td>\n<ul>\n<li style=\"font-weight: 400;\" aria-level=\"1\"><span style=\"font-weight: 400;\">If closed after 4 years, only the Savings Account interest will be given.<\/span><\/li>\n<\/ul>\n<\/td>\n<\/tr>\n<\/tbody>\n<\/table><\/div>\n<h2><span class=\"ez-toc-section\" id=\"Can_the_Post_Office_FD_Scheme_Be_Extended\"><\/span><span style=\"font-weight: 400;\">Can the <\/span><span style=\"font-weight: 400;\">Post Office FD Scheme<\/span><span style=\"font-weight: 400;\"> Be Extended?<\/span><span class=\"ez-toc-section-end\"><\/span><\/h2>\n<p><span style=\"font-weight: 400;\">When a Post Office FD matures, you don\u2019t have to withdraw it immediately. You can extend it for a specified tenure. However, there are rules on how and when this extension can be done. Let\u2019s check them out:<\/span><\/p>\n<div class=\"pcrstb-wrap\"><table>\n<thead>\n<tr>\n<th><span style=\"font-weight: 400;\">Original Tenure<\/span><\/th>\n<th><span style=\"font-weight: 400;\">Time limit to request an extension after maturity<\/span><\/th>\n<th><span style=\"font-weight: 400;\">Extension allowed<\/span><\/th>\n<th><span style=\"font-weight: 400;\">Interest rate applicable<\/span><\/th>\n<\/tr>\n<\/thead>\n<tbody>\n<tr>\n<td><span style=\"font-weight: 400;\">1-year FD<\/span><\/td>\n<td><span style=\"font-weight: 400;\">Within 6 months<\/span><\/td>\n<td><span style=\"font-weight: 400;\">Can extend for another 1 year<\/span><\/td>\n<td><span style=\"font-weight: 400;\">Rate on maturity date for 1-year FD<\/span><\/td>\n<\/tr>\n<tr>\n<td><span style=\"font-weight: 400;\">2-year FD<\/span><\/td>\n<td><span style=\"font-weight: 400;\">Within 12 months<\/span><\/td>\n<td><span style=\"font-weight: 400;\">Can extend for another 2 years<\/span><\/td>\n<td><span style=\"font-weight: 400;\">Rate on maturity date for 2-year FD<\/span><\/td>\n<\/tr>\n<tr>\n<td><span style=\"font-weight: 400;\">3-year FD<\/span><\/td>\n<td><span style=\"font-weight: 400;\">Within 18 months<\/span><\/td>\n<td><span style=\"font-weight: 400;\">Can extend for another 3 years<\/span><\/td>\n<td><span style=\"font-weight: 400;\">Rate on maturity date for 3-year FD<\/span><\/td>\n<\/tr>\n<tr>\n<td><span style=\"font-weight: 400;\">5-year FD<\/span><\/td>\n<td><span style=\"font-weight: 400;\">Within 18 months<\/span><\/td>\n<td><span style=\"font-weight: 400;\">Can extend for another 5 years<\/span><\/td>\n<td><span style=\"font-weight: 400;\">Rate on maturity date for 5-year FD<\/span><\/td>\n<\/tr>\n<\/tbody>\n<\/table><\/div>\n<p><span style=\"font-weight: 400;\">Please note that, as per the current rules (applicable as of September 19, 2025), an FD can be extended only twice after the original maturity date.<\/span><\/p>\n<h2><span class=\"ez-toc-section\" id=\"Want_More_Options_Book_Leading_Bank_and_NBFC_FDs_Online_Using_the_GoldenPi_Platform\"><\/span><span style=\"font-weight: 400;\">Want More Options? Book Leading Bank and NBFC FDs Online Using the GoldenPi Platform!<\/span><span class=\"ez-toc-section-end\"><\/span><\/h2>\n<p><span style=\"font-weight: 400;\">National Savings Time Deposit is a <\/span><span style=\"font-weight: 400;\">Post Office FD scheme<\/span><span style=\"font-weight: 400;\"> offering non-market-linked returns with a sovereign guarantee. If we talk about <\/span><span style=\"font-weight: 400;\">post office interest rates, <\/span><span style=\"font-weight: 400;\">as of September 19, 2025, investors can earn between 6.90% and 7.70% per annum for tenures ranging from 1 to 5 years. The interest is compounded quarterly and paid annually.\u00a0<\/span><\/p>\n<p><span style=\"font-weight: 400;\">It is a safe choice for conservative and low-risk investors who prioritise capital protection and want to earn a guaranteed income.<\/span><\/p>\n<p><span style=\"font-weight: 400;\">If you are looking for more such options, you may also look at fixed deposits from leading small finance banks and NBFCs such as Suryoday Small Finance Bank, Bajaj Finance, Shriram Finance, and more. To explore the latest interest rates and to start your application process online, you can visit the <\/span><a href=\"https:\/\/goldenpi.com\/fixed-deposits\"><span style=\"font-weight: 400;\">GoldenPi platform<\/span><\/a><span style=\"font-weight: 400;\">.<\/span><\/p>\n<h2><span class=\"ez-toc-section\" id=\"Post_Office_FD_Interest_Rate_FAQs\"><\/span><span style=\"font-weight: 400;\">Post Office FD Interest Rate<\/span><span style=\"font-weight: 400;\"> FAQs<\/span><span class=\"ez-toc-section-end\"><\/span><\/h2>\n<h3><span class=\"ez-toc-section\" id=\"1_Are_Post_Office_FDs_safe\"><\/span><span style=\"font-weight: 400;\">1. Are Post Office FDs safe?<\/span><span class=\"ez-toc-section-end\"><\/span><\/h3>\n<p><span style=\"font-weight: 400;\">Yes! Post Office FDs carry a sovereign guarantee, which means your money is fully backed by the Government of India. This makes them even more secure than bank deposits, as they are only insured up to \u20b95 lakhs by the Deposit Insurance and Credit Guarantee Corporation (DICGC).<\/span><\/p>\n<h3><span class=\"ez-toc-section\" id=\"2_What_is_the_maximum_Post_Office_FD_amount_limit_in_2026\"><\/span><span style=\"font-weight: 400;\">2. What is the maximum <\/span><span style=\"font-weight: 400;\">Post Office FD amount limit in 2026<\/span><span style=\"font-weight: 400;\">?<\/span><span class=\"ez-toc-section-end\"><\/span><\/h3>\n<p><span style=\"font-weight: 400;\">There is no maximum limit on investments in the National Savings Time Deposit scheme. You can deposit as much as you want, either in a single account or across multiple accounts.<\/span><\/p>\n<h3><span class=\"ez-toc-section\" id=\"3_What_extra_do_senior_citizens_get_in_the_Post_Office_FD_scheme\"><\/span><span style=\"font-weight: 400;\">3. What extra do senior citizens get in the <\/span><span style=\"font-weight: 400;\">Post Office FD scheme<\/span><span style=\"font-weight: 400;\">?<\/span><span class=\"ez-toc-section-end\"><\/span><\/h3>\n<p><span style=\"font-weight: 400;\">Unlike banks, the <\/span><span style=\"font-weight: 400;\">Post Office FD scheme <\/span><span style=\"font-weight: 400;\">does not offer additional interest to senior citizens. The rates are the same for all investors, whether above or below 60 years of age.\u00a0<\/span><\/p>\n<p><span style=\"font-weight: 400;\">To specifically enjoy higher interest rates, senior citizens may invest in Senior Citizens Savings Schemes (SCSS). As of September 19, 2025, SCSS is offering an interest rate of 8.20% p.a. with quarterly payouts.\u00a0<\/span><\/p>\n<h3><span class=\"ez-toc-section\" id=\"4_Is_interest_compounded_quarterly_in_Post_Office_FDs\"><\/span><span style=\"font-weight: 400;\">4. Is interest compounded quarterly in Post Office FDs?<\/span><span class=\"ez-toc-section-end\"><\/span><\/h3>\n<p><span style=\"font-weight: 400;\">Yes! The interest is compounded every three months in the National Savings Time Deposit. This allows you to earn a slightly higher yield.\u00a0<\/span><\/p>\n<h3><span class=\"ez-toc-section\" id=\"5_Can_I_book_a_5-year_TD_and_choose_to_pay_interest_at_maturity\"><\/span><span style=\"font-weight: 400;\">5. Can I book a 5-year TD and choose to pay interest at maturity?<\/span><span class=\"ez-toc-section-end\"><\/span><\/h3>\n<p><span style=\"font-weight: 400;\">No! In Post Office 5-year FDs, interest is paid out annually to your account. If you want cumulative growth with maturity payout, you can invest in NSC (National Savings Certificate) instead.<br \/>\n<\/span><span style=\"font-weight: 400;\">_______________________________________________________<\/span><\/p>\n<h2><span class=\"ez-toc-section\" id=\"Disclaimer\"><\/span><span style=\"font-weight: 400;\">Disclaimer:\u00a0<\/span><span class=\"ez-toc-section-end\"><\/span><\/h2>\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: 13-02-2026<\/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\": \"Are Post Office FDs safe?\",\n      \"acceptedAnswer\": {\n        \"@type\": \"Answer\",\n        \"text\": \"Yes, Post Office Fixed Deposits carry a sovereign guarantee, meaning they are fully backed by the Government of India. This makes them highly secure compared to bank deposits, which are insured only up to \u20b95 lakhs under DICGC.\"\n      }\n    },\n    {\n      \"@type\": \"Question\",\n      \"name\": \"What is the maximum Post Office FD amount limit in 2026?\",\n      \"acceptedAnswer\": {\n        \"@type\": \"Answer\",\n        \"text\": \"There is no maximum investment limit under the National Savings Time Deposit scheme. Investors can deposit any amount, either in a single account or across multiple accounts.\"\n      }\n    },\n    {\n      \"@type\": \"Question\",\n      \"name\": \"What extra do senior citizens get in the Post Office FD scheme?\",\n      \"acceptedAnswer\": {\n        \"@type\": \"Answer\",\n        \"text\": \"The Post Office FD scheme does not provide additional interest rates for senior citizens. The interest rates are the same for all investors. Senior citizens seeking higher returns may consider the Senior Citizens Savings Scheme (SCSS), which offers quarterly payouts at government-declared rates.\"\n      }\n    },\n    {\n      \"@type\": \"Question\",\n      \"name\": \"Is interest compounded quarterly in Post Office FDs?\",\n      \"acceptedAnswer\": {\n        \"@type\": \"Answer\",\n        \"text\": \"Yes, interest under the National Savings Time Deposit scheme is compounded quarterly. This allows investors to earn a slightly higher effective yield over time.\"\n      }\n    },\n    {\n      \"@type\": \"Question\",\n      \"name\": \"Can I book a 5-year TD and choose to pay interest at maturity?\",\n      \"acceptedAnswer\": {\n        \"@type\": \"Answer\",\n        \"text\": \"No, in a Post Office 5-year Time Deposit, interest is paid annually to the linked account. Investors looking for cumulative growth with maturity payout may consider alternatives such as the National Savings Certificate (NSC).\"\n      }\n    }\n  ]\n}\n<\/script><\/p>\n","protected":false},"excerpt":{"rendered":"<p>Do you think post offices only offer courier services? Nope! The Department of Posts also runs several small savings schemes (also known&hellip;<\/p>\n","protected":false},"author":8,"featured_media":11912,"comment_status":"open","ping_status":"open","sticky":false,"template":"","format":"standard","meta":{"_lmt_disableupdate":"no","_lmt_disable":"","footnotes":""},"categories":[307,24],"tags":[216,302,304,305],"class_list":["post-9847","post","type-post","status-publish","format-standard","has-post-thumbnail","hentry","category-post-office-fd-scheme","category-bond-market","tag-short-term-fixed-deposit-fd","tag-post-office-fd-scheme","tag-post-office-fd-scheme-online","tag-post-office-fd-plans"],"yoast_head":"<!-- This site is optimized with the Yoast SEO plugin v26.6 - https:\/\/yoast.com\/wordpress\/plugins\/seo\/ -->\n<title>Check the latest post office FD interest rates 2025<\/title>\n<meta name=\"description\" content=\"Want to enjoy a sovereign guarantee + fixed income? The post office offers a National Savings Time Deposit (TD) scheme. 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