Post Office 3 Years FD rate: 7.1% (general) & 7.1% (senior citizen). Maturity for ₹5 Lakh: ₹6,17,538.
| Year | Deposit | Interest Earned | Maturity Value |
|---|
India Post Office offers 3 Years Fixed Deposit at 7.1% p.a. for general citizens and 7.1% p.a. for senior citizens. Interest is compounded quarterly. Premature withdrawal policy: Allowed after 6 months with penalty.
Tenure: 3 Years · Quarterly compounding
| Deposit Amount | Maturity Amount | Interest Earned | Total Return |
|---|---|---|---|
| ₹25K | ₹30,877 | ₹5,877 | 23.5% |
| ₹50K | ₹61,754 | ₹11,754 | 23.5% |
| ₹1 Lakh | ₹1,23,508 | ₹23,508 | 23.5% |
| ₹2 Lakh | ₹2,47,015 | ₹47,015 | 23.5% |
| ₹5 Lakh | ₹6,17,538 | ₹1,17,538 | 23.5% |
| ₹10 Lakh | ₹12,35,075 | ₹2,35,075 | 23.5% |
| ₹25 Lakh | ₹30,87,688 | ₹5,87,688 | 23.5% |
| ₹50 Lakh | ₹61,75,375 | ₹11,75,375 | 23.5% |
| ₹1 Crore | ₹1,23,50,750 | ₹23,50,750 | 23.5% |
Post Office offers 3 Years Fixed Deposit at 7.1% p.a. for general citizens and 7.1% p.a. for senior citizens in 2026. Rates are subject to change.
A ₹5 Lakh FD in Post Office for 3 Years at 7.1% (quarterly compounding) will mature to approximately ₹6,17,538. The interest earned would be ₹1,17,538.
Yes, Post Office offers an additional benefit for senior citizens with a rate of 7.1% p.a. for 3 Years FD, which is 0.00% higher than the general rate.
The minimum deposit amount for Post Office Fixed Deposit is ₹1,000. Interest is compounded quarterly.
Yes, premature withdrawal is allowed. Post Office's premature withdrawal policy: Allowed after 6 months with penalty. It's recommended to keep the FD till maturity for maximum returns.