Earn interest rates upto 6.75% p.a | Invest in Bajaj Finance FD to earn additional 0.10% interest on online deposits.

Post Office FD Rates

While investing money, cautious planning and research needs to be done before settling for a choice as this choice can influence many parts of investment such as tenure, interest rates, policy adaptability, among others. Best returns,backing, liquidy, high security and easy access is provided by a good savings option. Post office fixed deposit interest rates have come to be attractive for money investing. Post office fd rates are one such good option.

FDs are traditional investment instruments offered by banks in India. Any amount can be invested into an account of fixed deposit for a specified period. This amount of money attracts interest according to the post office FD interest rate, that is  returned after the attainment of maturity value by the policy. These interest rates differ from bank to bank unlike post office FD rates.  

Post Office fixed deposit interest rate

Post office FD rates come under the control of post offices. Post office fixed deposit interest rate is quite perfect when it comes to investments on a small scale where other modes of online investment are not as accessible. 

Fixed deposits interest rates of from Finserv MARKETS are relatively high up to 8.50%. The interest is higher by 0.35 percent as compared to the general FD interest rate for senior citizens while senior citizens fixed deposit rates in post offices offer 7.4%. The deposits which come under a savings scheme by the postal FD rates offer 7.6 percent interest, while the interest offered by fixed deposit rates in post office Sukanya Samridhi and Kisan Vikas Patra scheme is 8.1 percent and 7.3 percent respectively.    

Post Office deposit rates vs Bajaj Finance FD

  • Tax saving

In contrast with FD accounts from Finserv MARKETS, some plans with post office deposit interest rates are considered as better at tax productiveness. For example, PPF earnings are tax excluded whereas all the collections from FD are taxable. Under the Section 80C from Income Tax Act, getting funds from the tax reserve for FD is conceivable. However, some schemes offering post office time deposit interest rates like PPF, National Savings Certificate, Sukanya Samriddhi bear the option of providing comparable benefits on tax to investors.  

  • Quality of service

Post offices lag behind as compared to private institutions in terms of customer service. Limited support and infrastructure along with the vast volume to operate with is a major factor for this. Whereas, fixed deposits at Finserv MARKETS provide excellent customer services and support. Besides, tracking the FD account progress is also easy with just some taps on the phone. Plus with Finserv MARKETS makes tedious mathematical calculations easy with its absolutely free FD Calculator which you can easily access online .   


Post office FD interest rate can be a great choice for saving up money in any scheme ensuring it is secure and safe, while attracting high interest rates regularly for a period of time. With bigger post office FD rates allotted to senior citizens, opening an FD account for parents will guarantee them a very consistent income source in retirement years. Saving money in the name of future plans, like funding further education or dream vacation can also be facilitated by fixed deposit accounts.


  • ✔️What if I have any queries related to the bank account?

    In such a case, you simply dial with the Finserv Markets team, and the query will get resolved almost immediately. Among the many critical factors is accessibility as it is no longer needed to call or visit the post office every time for tracking the savings earned from post office deposit rates which depends on the Indian post FD rates. To check the current post office FD interest rate today, go to the Indiapost website.

  • ✔️How can I be sure of the security of my earnings?

    Another benefit an FD from Finserv MARKETS gives is the scheme security. FD accounts get protected thanks to a stable CRISIL FAAA and  ICRA MAAA rating. This means that all earnings are completely safe.

  • ✔️How do I open an FD on Finserv MARKETS?

    The process of opening an FD is quite hassle-free and easy when you opt for Finserv MARKETS. All that’s needed is the input of a name along with other necessary and required details, some documents for completion of mandatory KYC, choosing a plan and depositing money in the account to successfully activate it.

  • ✔️What is the tenure for FD schemes?

    The fixed deposit schemes carry a tenure from 1-5 years.

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