Best Government Scheme & Post Office Fixed Deposit Rates in India
Compare the highest Government Scheme & Post Office fixed deposit rates across top institutions. Find the best yield for your savings with peak returns updated for 2026.
Note:Government small savings schemes and Post Office Time Deposits are 100% sovereign-guaranteed by the Government of India (Ministry of Finance) with zero credit risk.
Fixed Deposit Rankings
Rank | Bank Name | General Rate | Senior Citizen | Term | Category |
|---|---|---|---|---|---|
| 1 | 8.20% | 8.20% | 21 Years | Govt Scheme | |
| 2 | 7.70% | 7.70% | 5 Years | Govt Scheme | |
| 3 | 7.50% | 7.50% | 5 Years | Govt Scheme | |
| 4 | 7.50% | 7.50% | 9 Years 7 Months | Govt Scheme | |
| 5 | 7.40% | 7.40% | 5 Years | Govt Scheme | |
| 6 | 7.10% | 7.10% | 15 Years | Govt Scheme | |
| 7 | 6.70% | 6.70% | 5 Years | Govt Scheme | |
| 8 | Senior Only | 8.20% | 5 Years | Govt Scheme |
Investment Insight
Sukanya Samriddhi leads this category with a peak rate of 8.20%. Compare all 8 options to find the best fit for your investment goals.
Rates are sourced from official disclosures and updated regularly. Always verify with the respective institution before making investment decisions. Rankings are based on the highest advertised rate for the applicable tenure.