Latest Post Office Fixed Deposit Rates in India 2025

The main features of the Post Office FD scheme are mentioned in the table below: 

Post Office Fixed Deposit Interest Rates

The Post Office fixed deposit interest rate are given in the table below: 

Rates for Tax-Saving Post Office 5-year Fixed Deposit

If you open a fixed deposit with the post office for a tenure of 5 years, you will be eligible to claim tax benefits under Section 80C of the Income Tax Act, 1961.

Post Office Time Deposit Account

There is no maximum restriction, and you can open a Post Office Time Deposit (TD) Account, also known as a Post Office Fixed Deposit (FD) account, with a minimum of Rs. 1,000 and multiples of Rs. 100.

Features of Post Office Fixed deposit (FD)

The Post Office Fixed Deposit (FD) scheme or Post Office Time Deposit is a true and government-backed, very safe investment option offered by India Post. It provides secure returns with flexible tenures and tax saving advantages for investors.  

Here are the Features of the scheme: 

1. Easy conversion of a single FD account can be converted to a joint account (up to 3 adults), and vice versa. 

1. Interest is compounded quarterly and credited annually to the depositor’s savings account. 

1. Multiple tenure options, such as one, two, three, and five years. 

1. The 5-year FD qualifies for Section 80C deductions up to Rs.1.5 lakh per financial year. 

1. Premature withdrawal allowed after six months of account opening. 

1. Accounts can be opened online or offline. 

1. Deposits can be made via cash or cheque. 

Additional Details on National Savings Time Deposit Scheme 

Some vital details about the National Savings Time Deposit scheme are mentioned below: 

Deposits 

1. Four TD tenures are available, and those are 1-year, 2-year, 3-year, and 5-year. 

1. The minimum deposit amount is Rs.1,000, in multiples of Rs.100 and no maximum limit. 

1. Interest is compounded quarterly and paid annually. 

1. No extra interest is paid on interest that becomes due but is not withdrawn. 

1. Annual interest can be credited to a Post Office Savings Account or a Bank Account if a written mandate (SI/ECS) is provided. 

1. Under the Income Tax Act, 1961, the 5-year TD qualifies Section 80C tax benefits. 

Pledging of Post Office Term Deposit Account  

To pledge a TD account or transfer it as security, submit the prescribed form along with the pledgee’s acceptance letter at the concerned Post Office. 

The eligible pledgees include: 

1. The President of India or Governor of a State 

1. RBI (Reserve Bank of India), co-operative societies, scheduled banks, and co-operative banks 

1. Public or private corporations, government companies, and local authorities 

1. Housing finance companies approved by the National Housing Bank and notified by the Central Government 

Premature closure of TD Account 

1. Within the first 6 months from the date of deposit, no withdrawal is allowed. 

1. For one, two, or three-year TD, interest is paid at the Post Office Savings Account (POSA) rate for completed months, if closed after 6 months but before 1 year. 

1. For two or three-year TD, interest is paid at a rate 2% lower than the TD rate for the respective 1-year or 2-year tenure for completed years, if closed after 1 year; POSA rate applies for any period less than a year. 

1. A 5-year TD cannot be closed before completing 4 years, and interest is paid at POSA rate if closed after 4 years. 

1. Any interest already paid in excess will be recovered from the repayment amount. 

TD Account Extension 

1. A TD account may be extended for the same original tenure on maturity. 

1. 1-year TD extension can be done within 6 months from the date of maturity. 

1. 2-year TD extension can be done within 12 months from the date of maturity. 

1. 3 or 5-year TD extension can be done within 18 months from the date of maturity. 

1. A request for an extension can also be submitted at the time of opening the account. 

1. The account can be extended only twice after the initial maturity. 

1. The interest rate applicable on the maturity date will apply for the extended period. 

On Death of Accountholder 

1. The deposit is payable to the nominee(s) or legal heir(s) upon submission of the claim form at the concerned Post Office, if a single account holder or all joint holders pass away. 

1. If there are up to three surviving nominees or legal heirs and are eligible to hold a TD account, they may choose to continue the account and receive the deposit with interest as per the Scheme. 

1. The surviving holder(s) becomes the account owner(s) and may either continue or close the account, if one or two holders of a joint account pass away. 

Post Office FD Rates and Banks FD Rates – A Comparison 

A comparison between Post Office FD rates and other banks FD rates 

Note: The rates are updated on 4 December 2025 and any change in interest rates are at the discretion of the bank. 

Who Can Open a Post Office Fixed Deposit Account?

• An individual who is a resident citizen of India 
• A single adult applicant 
• Joint account holders (up to three adults), which may be: 
•  Joint ‘A’ type: Operated jointly by all depositors or by the surviving depositors together 
• Joint ‘B’ type: Operated by any one depositor or by surviving depositors individually 
• A guardian applying on behalf of a minor 
• A guardian applying on behalf of a person of unsound mind (referred to as an Authorised Account). 
• A minor who is at least ten years old. 

Note: 

1. Applicants can open any number of accounts in an individual’s name or jointly with another. 

1. To convert their minor account into to an adult account on reaching the age of 18 years, account holders must submit a new Account Opening Form (AOF) and fresh KYC documents at their Post Office. 

Documents Required for Post Office FD Scheme 

The various documents required for Post Office FD scheme are mentioned below - 

1. Post Office FD application form 
2. PAN Card
3. Proof of address: telephone bill, electricity bill, passport, etc. 
4. Proof of identity: Aadhaar card, PAN card, driving license, Voter ID card, etc. 

Post Office Fixed Deposit Calculator  

You can use a free and simple online FD calculator to determine how much interest you will receive on a Post Office Fixed Deposit account before opening one. Simply enter the amount you want to invest, the current rate of interest for the tenure you want to invest in, and the type of interest compounding frequency. The exact amount you will earn with interest will be displayed on the page immediately.