Post Office Returns: Reserve Bank of India (RBI) has cut the repo rate three times this year. Due to this, banks have also reduced the interest rate on fixed deposits (FD). In such a situation, there has been a big problem for those people, so for investment, they are more dependent on safe means like FD. Especially for Senior Citizens. If you also want a safe option to give good returns for FD, then you can look at the post office schemes.
You can open the Public Provident Fund (PPF) account in the post office in your name as well as your spouse. This will provide different interest on both accounts, that is, you can get double benefit. A person can deposit a maximum of ₹ 1.5 lakh in his PPF account in a financial year. Also, he can deposit up to ₹ 1.5 lakh in his wife’s account. Both accounts will get interest independently.
The same benefit is also available in time deposit
You can also take a similar benefit by investing in the post office time deposit (TD) scheme. TD also acts like a fixed deposit- a lump sum for a fixed period is deposited and a fixed return is received on maturity.
Better interest rates than banks
This year, the Reserve Bank of India (RBI) has cut the repo rate twice- it has come down from 6.50% to 6.00% in February and April with a reduction of 0.25%. The effect of this was that most banks have reduced the interest rates of fixed deposits, but the post office is still giving stable and attractive interest rates.
The government revises interest rates on the small saving schemes of bank and post office every three months.
Current interest rates on post office TD (2025)
| Tenure | Interest Rate |
| 1 year | 6.90% |
| 2 years | 7.00% |
| 3 years | 7.10% |
| 5 year | 7.50% |
These rates are uniform for all investors. For example, if you invest ₹ 2 lakh at a 2 -year TD at 7.0% interest rate, then you will get ₹ 2,29,776 on maturity. That is, a firm interest of ₹ 29,776 will be available.
Safe investment option
Since the post office comes directly under the control of the central government, the investment made here is completely safe. Each of your deposit is under the guarantee of the government.
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