Do you want to invest your money in a safe and profitable way? So the Post Office Fixed Deposit (FD) scheme can be a great option for you. This scheme run by the Government of India not only ensures the safety of your money, but also helps in increasing your savings with attractive interest rates.
In 2025, the Post Office FD Scheme has opened its doors to investors. In this article, we will tell you how you can get up to Rs 12 lakh by depositing 4 lakh rupees. This will not only increase your savings, but will also lead you to a safe financial future. Let’s know in detail about this scheme.
Post Office FD Scheme 2025: An observation
A brief information about Post Office Fixed Deposit Scheme 2025:
| Description | Acquaintance |
| Name of the scheme | Post Office Fixed Deposit (FD) Scheme |
| Minimum deposit | ₹ 1,000 |
| Maximum deposit | No limit |
| Interest rate | 6.90% to 7.50% per year |
| Duration | From 1 year to 5 years |
| Interest payment | Annual |
| Premature clearance | Permission after 6 months |
| Tax benefit | 5 -year -old FD under Section 80C |
Post Office FD Scheme Features
Post Office Fixed Deposit Scheme comes with many attractive features:
- Government Guarantee: This scheme is guaranteed by the Government of India, which makes your investment completely safe.
- Attractive interest rates: In 2025, this scheme provides interest rates ranging from 6.90% to 7.50%.
- Flexible period: You can choose a period from 1 year to 5 years.
- Minimum Investment: With only ₹ 1,000 you can start your investment.
- No maximum limit: You can deposit as much amount you want.
- Tax Benefits: On 5 -year FD, you can avail tax exemption under Section 80C.
Post Office FD Interest Rates 2025
The following are the interest rates of Post Office FD in 2025:
| Duration | Interest rate (per year) |
| 1 year | 6.90% |
| 2 years | 7.00% |
| 3 years | 7.10% |
| Five years | 7.50% |
How to get 12 lakh rupees from 4 lakh rupees?
Now let’s understand how you can get up to Rs 12 lakh by depositing Rs 4 lakh:
- Investment Strategy: deposit 4 lakh rupees in 5 years FD.
- Interest Rate: At the rate of 7.50% per year.
- Cyro old interest: Re -invest the interest received every year.
- Time period: Your investment will reach Rs 12 lakh in about 15 years.
How to open Post Office FD account?
It is very easy to open FD account in the post office:
- Go to your nearest post office.
- Fill the FD account opening form.
- Submit the required documents (identification proof, address proof, photo).
- Submit minimum ₹ 1,000.
- Get a passbook.
Benefits of Post Office FD
- Safe investment: 100% safe with government guarantee.
- Regular income: annual interest payment.
- Tax Savings: Rebate under Section 80C on 5 -year FD.
- Easy procedure: Process of opening and operating simple account.
- Extensive Network: Availability of Post Office across the country.
Post Office FD vs Bank FD
| Description | Post Office FD | Bank fd |
| Security | Official guarantee | DICGC insured up to ₹ 5 lakh |
| Interest rate | More (up to 7.50%) | Work (amount 5-6%) |
| tax benefit | On 5 year old fd | On some special fd |
| network | Comprehensive post office network | Limited to bank branches |
Documents required for post office FD
- Identification Proof (Aadhaar Card, PAN Card)
- Address proof (electricity bill, passport)
- Recent passport size photo
- PAN card (mandatory for investment of more than ₹ 50,000)
Premature withdrawal in post office FD
- Before 6 months: no interest.
- Interest from 6 months to 1 year: 4% per year.
- More than 1 year: 1% less interest from the prescribed rate.
Special provision for senior citizens
- Additional interest: 0.5% additional interest.
- Age limit: 60 years or more.
- Documents: Age certificate required.
Post office FD renewal
- Automatic Renewal: Automatically renewal on maturity.
- New Interest Rate: Application of interest rate prevalent on renewal.
- Duration change: The duration of renewal can be changed.
Tax Rules on Post Office FD
- TDS: 10% TDS at an annual interest of more than ₹ 40,000.
- Form 15G/15h: Can be deposited for exemption from TDS.
- Income tax: Income tax payable on interest income.
Post Office FD Risk
- Low risk: minimum risk due to government guarantee.
- Inflation Risk: Long -term inflation may affect returns.
- Interest Rate Risk: Future returns can be affected by a decline in interest rates.
Post Office FD vs Mutual Fund
- Security: FD more secure, market risk in mutual funds.
- Return: Fixed returns in FD, potential high returns in mutual funds.
- Liquidity: Low liquidity in FD, more in mutual funds.
- Tax efficiency: Mutual funds can be more efficient.
Online facilities for post office fd
- Opening online account: Some posts available in office.
- Internet Banking: To see account information and statement.
- Mobile App: Available in some areas.
Enrollment for Post Office FD
- Importance: For smooth transfer of maturity.
- Process: Can be done while opening an account or later.
- Change: Changes in enrollment are possible.
Disclaimer:
This article is only for informative purposes. The Post Office FD scheme is a real government scheme, but the claim of “Getting 12 lakhs by depositing 4 lakhs” is a simplified example based on the long term compound interest. The actual return depends on interest rates, investment periods, and other factors. Before making investment decisions, please consult the financial advisor and evaluate your risk profiles.
