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

What is a Post Office FD?

Post Office Fixed Deposit is one of the safest investment avenues offered by the Government of India. Post office FD schemes offer attractive interest rates with tenures ranging from 1 year to 5 years. The interest is payable annually with the minimum deposit being Rs.1,000 and no maximum limit.

A post office FD cannot be withdrawn in the first six months of deposit. After that, premature withdrawal is available at a penalty of 1%. Upon maturity, the post office FD can be renewed for the same tenure or can be withdrawn. Post Office FD best suits highly conservative investors who want to invest a lump sum amount. The interest rates offered by post office FDs are sometimes higher than Bank FDs. An investor can take a loan against a deposit in the post office by pleading the post office FD.

FD Rates Offered by Bajaj Finance FD

For information on the best Bajaj Finance FD Rates offered, please refer to the tables below:

  • For Senior Citizens

Tenor in months

Minimum deposit (in Rs.)





Half Yearly


12 – 23







24 – 35






36 - 60






Post Office Fixed Deposit Interest Rates

The Post Office Fixed Deposit interest rates are decided by the Government of India, every quarter, under the Small Savings Schemes. The updated Post Office FD Rates in India range from 5.50% to 6.70%.

You can calculate the amount of interest you can get by using the below interest rates in a post office FD calculator. The table below gives the fixed deposit rates in the post office by tenure so you can use the post office fixed deposit calculator easily and make a more informed decision.

Deposit Tenure

Post Office FD rates (p.a.)

1 year


2 years


3 years


5 years


Compare Post Office FD rates vs Bajaj Finance FD rates

While Post office Fixed Deposit allows you to redirect your interest rate to other post office Fixed Deposit, schemes like Bajaj Finance FD offer a higher interest rate. Fixed Deposit offer the same interest rates with minimum risk.

Even though Post office Fixed Deposit offers much higher interest rates compare to bank FDs, it still is no match for the FD interest rates offered by Bajaj Finance FD.

You can also use our FD calculator to calculate which Fixed Deposit, Bajaj Finance FD or Post Office FD, gives you the best interest. Below is the comparison between the Post Office FD rates vs Bajaj Finance FD Rates.

Tenure (years)

Post Office FD Interest Rates

Bajaj Finance FD Interest Rates

1 year



2 year



3 year



5 year




  • ✔️Is it safe to open FD in post office?

    The primary attraction of a post office fixed deposit is its high safety factor - it has a sovereign guarantee because it is managed by the central government.

  • ✔️Which is better Post Office FD or bank FD?

    In comparison to bank fixed deposits, a few post office FD schemes provide higher interest rates.

  • ✔️What is FD interest rate in post office?

    The Post Office FD schemes offer one of the most lucrative interest rates in the country. Interest in post office FD is paid annually whereas these are compounded quarterly under this scheme.

  • ✔️How many years FD will double in post office?

    At an interest rate of 7%, a post office fixed deposit investment will double in 10 years and four months.

  • ✔️Is FD tax free in post office?

    Post Office FD schemes offer income tax benefits as per different sections of the Income Tax Act, 1961.

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