Post Office 5 Years FD rate: 7.5% (general) & 7.5% (senior citizen). Maturity for ₹5 Lakh: ₹7,24,974.
| Year | Deposit | Interest Earned | Maturity Value |
|---|
India Post Office offers 5 Years Fixed Deposit at 7.5% p.a. for general citizens and 7.5% p.a. for senior citizens. Interest is compounded quarterly. Premature withdrawal policy: Allowed after 6 months with penalty.
Tenure: 5 Years · Quarterly compounding
| Deposit Amount | Maturity Amount | Interest Earned | Total Return |
|---|---|---|---|
| ₹25K | ₹36,249 | ₹11,249 | 45.0% |
| ₹50K | ₹72,497 | ₹22,497 | 45.0% |
| ₹1 Lakh | ₹1,44,995 | ₹44,995 | 45.0% |
| ₹2 Lakh | ₹2,89,990 | ₹89,990 | 45.0% |
| ₹5 Lakh | ₹7,24,974 | ₹2,24,974 | 45.0% |
| ₹10 Lakh | ₹14,49,948 | ₹4,49,948 | 45.0% |
| ₹25 Lakh | ₹36,24,870 | ₹11,24,870 | 45.0% |
| ₹50 Lakh | ₹72,49,740 | ₹22,49,740 | 45.0% |
| ₹1 Crore | ₹1,44,99,480 | ₹44,99,480 | 45.0% |
Post Office offers 5 Years Fixed Deposit at 7.5% p.a. for general citizens and 7.5% p.a. for senior citizens in 2026. Rates are subject to change.
A ₹5 Lakh FD in Post Office for 5 Years at 7.5% (quarterly compounding) will mature to approximately ₹7,24,974. The interest earned would be ₹2,24,974.
Yes, Post Office offers an additional benefit for senior citizens with a rate of 7.5% p.a. for 5 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.