National Savings Time Deposit Scheme 2026 | Post Office TD Account | Post Office Fixed Deposit Interest Rates | Post Office FD Calculator | Post Office Term Deposit Account Application Form.. The Post Office Time Deposit (TD) Account functions like a traditional bank Fixed Deposit, allowing individuals to secure their savings for a fixed duration. The Indian Post Office offers guaranteed financial returns on these accounts. For 2026, the Post Office TD interest rates range from 6.9% to 7.5%, depending on the tenure (1, 2, 3, or 5 years). Investors can conveniently estimate their returns using the online TD calculator. Applications for opening a TD account can be processed via indiapost.gov.in. These schemes are governed by the National Savings Time Deposit Rules, as notified by the Finance Ministry under GSR 922 9E on 12 December 2019.
To open a TD account, simply complete the required application form and deposit your funds for the chosen term. It is important to review the specific interest rates for each tenure before investing. You can verify your potential earnings using the 2026 Post Office TD Calculator. Please note that while interest on these accounts is calculated on a quarterly basis, it is paid out annually.
Interest Rates for Post Office Savings Schemes 2026
You may also wish to evaluate other investment options, such as the National Saving Certificate (NSC), Public Provident Fund (PPF), Kisan Vikas Patra (KVP), Sukanya Samriddhi Yojana (SSY), Post Office Savings Account, Senior Citizen Saving Scheme (SCSS), Recurring Deposit, and the Monthly Income Scheme (MIS). Compare these various schemes (NCS, PPF, KVP, SSY, TD, SCSS, RD, MIS) before finalizing your investment choice. You can Compare All Post Office Schemes to ensure you select the best plan for your needs.
Post Office Time Deposit (TD) Account Interest Rate 2026
TD accounts are available at any Post Office in India. You may open an account individually, in the name of a minor, or as a joint account to secure guaranteed interest. As of January 1, 2024, the interest rates are 6.9% for a 1-year deposit, 7.0% for 2 years, 7.0% for 3 years, and 7.5% for a 5-year term deposit.
Post Office Time Deposit (TD) Account Interest Rate