Stories
Post Office 5-Year TD: Invest ’10 Lakh, Earn ’3.75 Lakh Interest & Tax Benefits!
N
News18•02-10-2026, 08:54
Post Office 5-Year TD: Invest ’10 Lakh, Earn ’3.75 Lakh Interest & Tax Benefits!
- •Explore returns on investing ’10 lakh in Post Office Time Deposit (TD) schemes.
- •For July-September, the 3-year TD offers 7.1% interest, while the 5-year TD offers 7.5%.
- •A ’10 lakh investment in the 5-year TD yields ’3.75 lakh in interest and tax savings.
- •The same ’10 lakh in a 3-year TD would earn ’2.13 lakh in interest.
- •Choose between 3-year and 5-year plans based on your liquidity needs and investment horizon.
Key Questions Answered
For the July-September quarter, the government has set the interest rate at 7.1 percent for the 3-year Post Office Time Deposit scheme and 7.5 percent for the 5-year scheme.
If you invest Rs. 10 lakh in the 5-year Post Office Time Deposit scheme at a 7.5 percent interest rate, you will receive Rs. 75,000 annually, totaling approximately Rs. 3.75 lakh in interest alone after 5 years.
Along with a higher interest rate of 7.5 percent, the 5-year Post Office Time Deposit scheme provides the additional benefit of tax savings.
