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New Delhi: If you want to avoid risk and invest your money in an investment where returns are guaranteed and you also get government protection – then the Post Office Time Deposit (TD) scheme can be a great option for you. It is often also called Post Office FD, but compared to bank FD, it not only gives higher interest, but also provides facilities like tax exemption.
What is Post Office Time Deposit Scheme?
This scheme of the post office gives the option of depositing money for a fixed period, on which a fixed interest rate is received. These schemes are supported by the Government of India, due to which the investment is considered completely safe.
In which tenures is TD available?
This scheme comes in 4 types of maturity tenures:
1 year
2 years
3 years
5 years
All these schemes have different interest rates, which are revised from time to time.
Latest interest rates (as on August 2025):
Tenure Interest Rate
1 Year 6.9%
2 Years 7.0%
3 Years 7.1%
5 Years 7.5%
The 5-year TD is offering the highest interest rate.
- Investment limit and account options
- Minimum investment: ₹1000
- There is no limit on the maximum amount.
- Both single and joint accounts can be opened.
- Husband and wife can also open a joint account and invest together.
How much return will you get?
- Investment of ₹2 lakh (for 5 years)
- Investment: ₹2,00,000
- Interest rate: 7.5%
- Maturity amount: ₹2,89,990
- Total interest: ₹89,990
- Investment of ₹5 lakh (for 5 years)
- Investment: ₹5,00,000
- Interest rate: 7.5%
- Maturity amount: ₹7,24,974
- Total interest: ₹2,24,974
Why choose Post Office TD?
- Government guarantee
- Fixed interest rate
- Risk free investment
- Tax exemption (under 80C on 5 year TD)
- Joint account facility
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