FD & Savings
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June 2026 · Karthik, Vijayawada AP · 8 min read
Post Office FD Rates 2026 Safest Government Guaranteed Investment
Complete guide to Post Office FD (Time Deposit) rates 2026. Government guaranteed, highest safety, available at 1.55 lakh post offices. All schemes with interest rates and comparison.
Post Office Time Deposit Rates — 2026
| Tenure | Interest Rate | Compounding | 80C Benefit |
|---|---|---|---|
| 1 Year | 6.90% | Quarterly | No |
| 2 Years | 7.00% | Quarterly | No |
| 3 Years | 7.10% | Quarterly | No |
| 5 Years | 7.50% | Quarterly | Yes (Section 80C) |
All Post Office Savings Schemes 2026
| Scheme | Rate | Lock-in | Best For |
|---|---|---|---|
| Post Office Savings Account | 4.0% | None | Parking + 80TTA benefit |
| Post Office RD | 6.70% | 5 years | Monthly systematic savings |
| Post Office TD (FD) | 6.90-7.50% | 1-5 years | Safe FD alternative |
| Monthly Income Scheme | 7.40% | 5 years | Monthly income, senior citizens |
| NSC | 7.70% | 5 years | 80C + safe returns |
| PPF | 7.10% | 15 years | Long-term tax-free |
| SSY (Girl Child) | 8.20% | 21 years | Daughter's future |
| SCSS (Senior Citizens) | 8.20% | 5 years | Retirement income |
| KVP | 7.50% | 115 months | Doubling money safely |
Post Office vs Bank FD — Which is Safer?
Post Office = Sovereign guarantee of Government of India = Zero risk (same as government bonds). Bank FD = DICGC insurance up to ₹5 lakh per depositor per bank. For amounts above ₹5 lakh, Post Office is theoretically safer. However, large government banks (SBI, BOB) are also practically very safe. For rural/semi-urban investors with limited bank access, Post Office schemes are excellent.
FAQs
How to open Post Office FD online? +
Download India Post Payments Bank (IPPB) app or DOP app. Link to Post Office savings account. Go to FD → Select tenure and amount → Confirm with OTP. Requires existing Post Office savings account and mobile banking setup. Can also open physically at any of the 1.55 lakh post offices in India.
Is Post Office FD interest taxable? +
Yes, fully taxable. Post Office does NOT deduct TDS (unlike banks), but you must declare interest income in ITR and pay tax at slab rate. Many people mistakenly think PO FD is tax-free — it is not. Only PPF and SSY are completely tax-free among Post Office schemes.
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June 2026 · Karthik, Vijayawada APRBI Verified 20264.8/5