Post Office FD Interest Rates 2026 (Tenure-Wise)

The Government of India sets these rates quarterly, and they remain guaranteed and government-backed.

Interest Rates (approximate, annual % p.a.):

• 1-year FD: 6.90% p.a.
• 2-year FD: 7.00% p.a.
• 3-year FD: 7.10% p.a.
• 5-year FD: 7.50% p.a.

✔️ Rates are compounded quarterly and credited annually.
✔️ The 5-year FD may offer tax benefits under Section 80C of the Income Tax Act (up to ₹1.5 lakh deduction), similar to other small savings schemes.
✔️ Minimum investment typically starts at ₹1,000 with no maximum cap.

Key Points

• No extra senior citizen benefit: Post Office FDs generally do not offer higher rates specifically for senior citizens (unlike bank FDs).
• Government-guaranteed safety: Backed by the Indian government, making these widely considered risk-free options.
• Interest is taxable: The interest earned on these FDs is taxable as per your income tax slab.

If you need a comparison with bank FD rates or a maturity calculator for specific deposit amounts and tenures, just let me know!