Post Office Scheme : Do you also want to invest money in safe savings schemes then today we have brought a job information for you. In fact, the year 2025 has not been very special for FDs. The RBI has cut the repo rate this year, which has also reduced interest rates on fixed deposits.

FD interest rates have been reduced by all the government and private banks in the country and this is hitting the FD holders hard. But, even today the interest rates of savings schemes run by the government are the same.

The interest rates of Post Office savings schemes also remain unchanged today. In such a situation, if you want to invest in Posta’s Budget Scheme, then today we are going to tell you about Posta’s Time Deposit Scheme.

Post’s TD scheme is for one year, two years, three years and five years. This scheme is also known as Post FD scheme.

How is the post’s TD scheme

Investors who invest in this scheme can get interest of up to two lakh rupees in 60 months. Investors in Posta’s one-year generation scheme are paid interest at the rate of 6.9%.

Investors are paid interest at the rate of seven percent for two years. Those who invest for three years are paid interest at the rate of 7.10% and those who invest for five years are paid interest at the rate of 7.50%.

Investors can invest in this scheme as per their convenience and need. Post Office Time Deposit Scheme is Government Guaranteed. The scheme also offers tax deduction under Section 80C of the Income Tax Act, 1961 on investments made for 5 years.

Of course, this scheme will be beneficial for investors who want to invest in a tax saving scheme. Of course, the investors who invest in this get a double benefit.

One can invest in this scheme for the dual purpose of safe returns and tax savings. A minimum investment of one thousand rupees can be made in this while no maximum investment limit has been set. An investor can invest as much as he wants to invest.

How much should be invested for the interest of two lakhs?

In post office TD scheme Rs 5 lakh is invested for a period of five years i.e. seven months at 7.5% after completion of five years.