Post Office Fixed Deposit (POFD), which Post office time deposit It is also said, there is a safe and popular option for investment in India. The scheme is supported by the government, which makes it reliable to investors. In 2025, the post office has made some changes in the interest rates and rules of its fixed deposit scheme. In this article, we will discuss in detail about the interest rate, rule, and benefits of the Post Office FD 2025.
Post Office Fixed Deposit 2025: Chief Information
Investors get guaranteed returns under the Post Office Fixed Deposit Scheme. This scheme is suitable for those who want to protect their money and earn definite interest. The main information of the post office FD 2025 below is given:
| Parameter | Description |
| Interest Rate | 6.90% to 7.50% per year |
| Tenure | 1 year, 2 years, 3 years, and 5 years |
| Minimum deposit | ₹ 1,000 |
| Maximum deposit (maximum deposit) | No limit |
| Tax Benefit | Only 5-year-old FD under section 80C |
| Premature Withdrawal | Possible after 6 months |
| Interest Calculation | Quarterly cyclone (quarterly compound) |
Post Office FD Interest Rates 2025
The post office has fixed different interest rates on different term for its fixed deposit scheme. These rates are applicable from January to March 2025:
| Tenure | Interest Rate |
| 1 year | 6.90% |
| 2 years | 7.00% |
| 3 years | 7.10% |
| Five years | 7.50% |
special Notes:
- A separate high interest rate is not available for senior citizens (Senior Citizens) on Post Office FD.
- The investor on five-year-old FD gets tax exemption under Section 80C of the Income Tax Act.
Benefits of Post Office Fixed Deposit
Post Office Fixed Deposit Scheme provides many benefits to investors:
- Safe investment: The scheme is supported by the government, which makes it completely safe.
- Flexibility: You can open it for a period of 1 to 5 years.
- Tax Benefits: Five -year FD gets tax exemption.
- Enrollment facility: It has the facility of enrollment.
- Each quarter compound: Interest is every quarterly compound, which leads to more returns.
- Premature withdrawal: You can remove it after six months if needed.
Who can open Post Office FD?
Post Office Fixed Deposit Account can be opened by following individuals:
- Indian citizen
- Accounts can also be opened in the name of minors.
- Joint Account can also be opened.
Post Office FD vs Bank FD
Post office FD and bank FD are both safe investment options. However, there are some differences between the two:
| Parameter | Post Office FD | Bank fd |
| Interest rate | 6.90% – 7.50% | Different according to the bank |
| Security | Government supported | Depending on the credit rating of the bank |
| Tenure | Only 1, 2, 3 and 5 years | From a few days to 10 years |
| tax benefit | Only five-year-old FD | Available in some banks |
How to open Post Office FD?
The process of opening the post office fixed deposit account is simple and easy. Follow the following stages for this:
- Go to the nearest post office branch.
- Fill the application form and submit the required documents.
- Submit a minimum amount of ₹ 1,000 or more.
- After opening the account, you will be provided with a passbook.
Necessary documents:
- Aadhar card or PAN card
- Address proof
- Passport Size Photo
Use of Post Office FD Calculator
By using FD Calculator, you can find out how much interest will be received on your deposit. For example:
If you invest for ₹ 1,00,000 for five years:
- Interest Rate: 7.50%
- Total amount: ₹ 1,45,329
Disclaimer:
Post Office Fixed Deposit is a real and safe investment option. This scheme is risky free due to the government being supported. However, the interest available in it is taxable. So before investing, assess your financial situation and seek expert advice.
