Post Office FD – Savings Interest Rates
This bank last updated its deposit rates on 26-Sep-25.
| Deposit Slabs | Interest Rate |
|---|---|
| Across all account balances | 4.00% |
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About Post Office FD
Bank Overview
Frequently Asked Questions
Quick answers to the most common questions about Post Office FD Savings Accounts.
As of July 2026, Post Office FD offers a maximum savings account interest rate of 4.00% p.a. on select balance slabs. The rate varies based on the amount maintained in your account.
Yes, Post Office FD is a scheduled bank regulated by the RBI. Your deposits (up to ₹5 Lakhs per depositor) are insured by DICGC, which covers both principal and accrued interest across all your accounts in this bank.
Banks typically calculate savings account interest on the daily closing balance. The interest is usually credited monthly or quarterly. The applicable rate depends on the balance slab your account balance falls into.
Yes, interest earned on savings accounts is taxable. However, under Section 80TTA, individuals below 60 years can claim a deduction of up to ₹10,000 on savings account interest. Senior citizens can claim up to ₹50,000 under Section 80TTB. TDS is deducted at 10% if total interest exceeds ₹40,000 per year (₹50,000 for senior citizens).
Post Office FD currently offers a flat interest rate of 4.00% p.a. across all balance slabs for savings accounts.
Savings Calculator
for a balance of ₹1,00,000