Post Office TD Scheme: Schemes that offer safe and guaranteed returns are increasingly popular among investors in India. The Indian Postal Department not only provides postal services but also various banking and savings services. Through Post Office Schemes, Post Office offers investors a facility that is not only safe but also offers higher interest rates than many banks. The special feature here is that a deposit of Rs 1 lakh can be earned at an interest of Rs 44,995 in 5 years. The government guarantee makes this return even more attractive to investors.

Post Office Schemes

Post Office Time Deposit Schemes are available in four different tenors of 1, 2, 3 and 5 years.

The interest rates offered in these are as follows:

  • 1 year – 6.9%
  • 2 years – 7.0
  • 3 years – 7.1%
  • 5 years – 7.5%

This interest rate is currently higher than many banks, where interest rates on FDs are generally lower. The 5-year TD scheme is the most popular as it offers a maximum interest rate of 7.5%, which ensures better returns for investors in the long run.

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A minimum deposit of Rs 1,000 is required to open a Post Office FD account, although there is no maximum limit. Investors can open accounts individually or jointly, and a maximum of three people can be included in a joint account.

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Profit of Rs 44,995 on an investment of Rs 1 lakh

If an investor deposits Rs 1 lakh in a 5-year Post Office FD, he will get Rs 1,44,995 at an interest rate of 7.5% after maturity. That is, Rs 44,995 will be earned as interest, which is completely safe and guaranteed. The scheme is run by the Government of India, which makes it a completely safe investment. The interest rate is the same for all customers, while senior citizens get an additional 0.50% interest from the bank.