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Post Office RD Vs TD Vs NSC: Where Should You Invest 1 Lakh Rupees
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News18•11-10-2026, 21:52
Post Office RD Vs TD Vs NSC: Where Should You Invest 1 Lakh Rupees
- •The interest rates for post office small savings schemes remain unchanged for the October-December quarter of 2026.
- •National Savings Certificate offers the highest annual interest rate of 7.7 percent among the three options.
- •Recurring Deposit requires monthly deposits and provides an annual interest rate of 6.7 percent with quarterly compounding.
- •Time Deposit works like a fixed deposit offering 7.5 percent interest annually for a 5-year tenure which is paid every year.
- •Investing 1 lakh rupees in NSC yields approximately 1.45 lakh rupees after five years due to annual compounding.
Key Questions Answered
The interest rates for post office small savings schemes remain unchanged for the October-December quarter of 2026, meaning investors continue to receive interest at the rates applicable in the previous quarter.
Among the recurring deposit, time deposit, and national savings certificate options, the National Savings Certificate (NSC) offers the highest annual interest rate at 7.7 percent.
By investing 1 lakh rupees in the National Savings Certificate (NSC) for five years at a 7.7 percent annual compounding interest rate, you can receive about 1.45 lakh rupees at maturity.
