What do you get under Post Office FD (TD)?
A fixed deposit at the post office for 1, 2, 3 or 5 years at 6.9%, 7.0%, 7.1% and 7.5% a year (rates for October to December 2026). The 5-year deposit qualifies for section 80C in the old tax regime.
Who is eligible for Post Office FD (TD)?
- Any resident Indian, jointly or for a minor. Minimum ₹1,000.
Documents needed for Post Office FD (TD)
0 of 3 ready
Offices may ask for more. Check the official list before you go.
How to apply for Post Office FD (TD)
- Open it at a post office or through India Post internet banking.
Common questions
Who is eligible for Post Office FD (TD)?
Any resident Indian, jointly or for a minor. Minimum ₹1,000.
How much do I get under Post Office FD (TD)?
A fixed deposit at the post office for 1, 2, 3 or 5 years at 6.9%, 7.0%, 7.1% and 7.5% a year (rates for October to December 2026). The 5-year deposit qualifies for section 80C in the old tax regime.
What documents do I need for Post Office FD (TD)?
Aadhaar card (linked to your mobile number); PAN card; Passport-size photo.
How do I apply for Post Office FD (TD)?
Open it at a post office or through India Post internet banking. Official site: https://www.indiapost.gov.in/
Do I have to pay anyone to apply for Post Office FD (TD)?
No. Applying for a government scheme is free on the official portal, and at Common Service Centres you pay only the notified service fee, if any. Never pay an agent who promises approval.
Official sources
- National Savings Institute, Ministry of Finance
- India Post
- Department of Economic Affairs, Ministry of Finance (small savings rates)
Last checked 1 November 2026; next review by 31 December 2026. Rules and amounts change, so confirm on the official site before you apply. IndiaDigital is independent and not a government site.