Post Office logo

Post Office – FD Rates

This institution last updated its deposit rates on 01-Jan-25.

Govt. Backed Safety
FD Rank: #12 of 59 banks
KEY TENURESGeneralSenior
1 Year
6.90%
6.90%
2 Years
7.00%
7.00%
3 Years
7.10%
7.10%
5 Years
Tax Saver FD
7.50%Best
7.50%Best
•For callable FDs < ₹3 Cr•Premature withdrawal penalty applies

Compare with other banks

Current
P

Post Office

7.50%5 years
Check Post Office
P

Punjab & Sind

6.85%666 days
Check all public banks
D

DCB

7.50%24 - 25 months
Check all private banks
Top SFB Rate
U

Utkarsh

8.10%666 days
Check all SFBs
Top NBFC Rate
M

Muthoot Cap

8.95%36 months
Check all NBFCs
D

Deutsche

7.00%1 - 1.5 years
Check all Foreign banks

About Post Office

Bank Overview

Type
Post Office
Headquarters
New Delhi
Founded
1837
Branches
–
DICGC Coverage
Govt. Backed

Frequently Asked Questions

Quick answers to the most common questions about Post Office Fixed Deposits.

As of July 2026, Post Office offers a highest interest rate of 7.50% p.a. for general citizens and 7.50% p.a. for senior citizens on fixed deposits.

Post Office deposits are backed by the Government of India and are considered among the safest investment options, though they are not covered by DICGC insurance.

The minimum tenure for a fixed deposit with Post Office starts from 1 Year. Longer tenures may offer higher interest rates.

Yes, Post Office offers an additional benefit of up to 0.00% p.a. over the general citizen rate for senior citizens (aged 60 and above).

Yes, interest earned on fixed deposits is taxable as per your income tax slab. TDS is deducted at 10% if total interest exceeds ₹40,000 per year (₹50,000 for senior citizens). You can submit Form 15G/15H to avoid TDS if your total income is below the taxable limit.

Yes, Post Office currently offers special FD rates on select tenures that are higher than the regular rates. These are typically limited-period offers and subject to change.