{"id":10548,"date":"2026-02-17T09:50:26","date_gmt":"2026-02-17T09:50:26","guid":{"rendered":"https:\/\/lemonn.co.in\/blog\/?post_type=banking&#038;p=10548"},"modified":"2026-02-17T09:50:26","modified_gmt":"2026-02-17T09:50:26","slug":"post-office-fd-interest-rates-2026-tenure-wise","status":"publish","type":"banking","link":"https:\/\/lemonn.co.in\/blog\/banking\/post-office-fd-interest-rates-2026-tenure-wise\/","title":{"rendered":"Post Office FD Interest Rates 2026 (Tenure-Wise)"},"content":{"rendered":"\n<p>The Government of India sets these rates quarterly, and they remain <em>guaranteed and government-backed<\/em>.<\/p>\n\n\n\n<p><strong>Interest Rates (approximate, annual % p.a.):<\/strong><\/p>\n\n\n\n<ul class=\"wp-block-list\">\n<li><strong>1-year FD:<\/strong> <strong>6.90%<\/strong> p.a.<\/li>\n\n\n\n<li><strong>2-year FD:<\/strong> <strong>7.00%<\/strong> p.a.<\/li>\n\n\n\n<li><strong>3-year FD:<\/strong> <strong>7.10%<\/strong> p.a.<\/li>\n\n\n\n<li><strong>5-year FD:<\/strong> <strong>7.50%<\/strong> p.a.<\/li>\n<\/ul>\n\n\n\n<p>\u2714\ufe0f Rates are compounded <strong>quarterly<\/strong> and credited <strong>annually<\/strong>.<br>\u2714\ufe0f The <strong>5-year FD<\/strong> may offer <strong>tax benefits<\/strong> under <strong>Section 80C<\/strong> of the Income Tax Act (up to \u20b91.5 lakh deduction), similar to other small savings schemes.<br>\u2714\ufe0f Minimum investment typically starts at <strong>\u20b91,000<\/strong> with no maximum cap.<\/p>\n\n\n\n<h3 id='key-points'  id=\"boomdevs_1\" class=\"wp-block-heading\">Key Points<\/h3>\n\n\n\n<ul class=\"wp-block-list\">\n<li><strong>No extra senior citizen benefit:<\/strong> Post Office FDs generally <strong>do not offer higher rates<\/strong> specifically for senior citizens (unlike bank FDs).<\/li>\n\n\n\n<li><strong>Government-guaranteed safety:<\/strong> Backed by the Indian government, making these widely considered risk-free options.<\/li>\n\n\n\n<li><strong>Interest is taxable:<\/strong> The interest earned on these FDs is taxable as per your income tax slab.<\/li>\n<\/ul>\n\n\n\n<p>If you need a <strong>comparison with bank FD rates<\/strong> or a <strong>maturity calculator<\/strong> for specific deposit amounts and tenures, just let me know!<\/p>\n\n\n\n<p><\/p>\n","protected":false},"featured_media":0,"template":"","class_list":["post-10548","banking","type-banking","status-publish","hentry"],"blocksy_meta":[],"_links":{"self":[{"href":"https:\/\/lemonn.co.in\/blog\/wp-json\/wp\/v2\/banking\/10548","targetHints":{"allow":["GET"]}}],"collection":[{"href":"https:\/\/lemonn.co.in\/blog\/wp-json\/wp\/v2\/banking"}],"about":[{"href":"https:\/\/lemonn.co.in\/blog\/wp-json\/wp\/v2\/types\/banking"}],"wp:attachment":[{"href":"https:\/\/lemonn.co.in\/blog\/wp-json\/wp\/v2\/media?parent=10548"}],"curies":[{"name":"wp","href":"https:\/\/api.w.org\/{rel}","templated":true}]}}