Post office time deposit sarkar ki taraf se chalne wali ek fixed-tenure savings scheme hai, jisme aap 1, 2, 3 ya 5 saal ke liye paise jama karte hain aur us par pehle se tai byaaj dar milti hai. Sarkar ne October–December 2026 ki timaahi ke liye bhi in daron me koi badlaav nahi kiya hai — Finance Ministry ke 30 September 2026 ke office memorandum ke mutabik Q3 FY2026-27 ki daren pichli timaahi jaisi hi rahengi. Is guide me jaaniye latest byaaj daren, account kaise kholein, tax niyam aur bank FD se iska antar.
Post Office Time Deposit Kya Hai?
Post office time deposit ko aam bhasha me post office FD bhi kehte hain. Aap post office me 1, 2, 3 ya 5 saal ke liye ek baar me paisa jama karte hain, aur khaata ki avadhi poori hone par mool dhan ke saath byaaj milta hai. Ye scheme poori tarah sarkari hai, isliye isme paisa doobne ka koi jokhim nahi hota.
Minimum jama rashi sirf ₹1,000 hai aur uske baad 100 ke gunak me kitni bhi rashi jama ki ja sakti hai. Koi adhikatam seema nahi hai. Khaata single ya joint (adhikatam 3 vyakti) dono tarah se khola ja sakta hai.
Post Office Time Deposit Interest Rate 2026
October se December 2026 tak (Q3 FY2026-27) post office time deposit ki byaaj daren is prakar hain:
- 1 saal ka TD — 6.9% salana
- 2 saal ka TD — 7.0% salana
- 3 saal ka TD — 7.1% salana
- 5 saal ka TD — 7.5% salana
Byaaj salana chukrava hota hai lekin har timaahi (quarterly) compound hota hai, isliye asal kamai headline dar se thodi zyada hoti hai. Udaaharan ke taur par, ₹10,000 ke 1 saal ke TD par lagbhag ₹708 ka salana byaaj banta hai.
In daron me kayi timaahiyon se koi badlaav nahi hua hai, lekin yaad rakhein — chuni hui dar khaata kholte samay lock ho jaati hai aur poori avadhi tak wahi rehti hai.
5 Saal Wale TD Par 80C Deduction Ka Fayda
5 saal ka post office time deposit Section 80C ke tahat tax deduction ke liye yogya hai — ₹1.5 lakh tak ka nivesh purane (old) tax regime me taxable income se ghataaya ja sakta hai. 1, 2 aur 3 saal ke TD par ye fayda nahi milta.
Lekin ek baat saaf rahe: TD par milne wala byaaj taxable hota hai. Byaj ko “Income from Other Sources” ke roop me ITR me dikhana padta hai aur aapke income tax slab ke hisaab se us par tax lagta hai.
Post Office TD Kaise Kholein?
Post office time deposit kholna bahut aasaan hai. Aap najdeeki post office branch jaakar ya India Post Payments Bank / post office ke online portal se bhi aavedan kar sakte hain.
Zaroori Documents
- Aadhaar card (pehchaan aur pate ke liye)
- PAN card
- 2 passport size photo
- Shuruaati jama rashi (minimum ₹1,000)
Process
Branch me TD account opening form bharein, documents aur rashi jama karein. Aapke naam par passbook ya account statement jaari ho jaayega. Premature closure ke niyam khaas taur par 5 saal wale TD me sakht hote hain, isliye paisa jama karne se pehle apni zaroorat soch lein.
Post Office Time Deposit Par Tax Niyam
TD par milne wale byaaj par TDS katne ka niyam bank FD jaisa hai — post office me bhi ek nishchit seema se zyada byaaj par TDS lagta hai. 5 saal ke TD me nivesh par 80C deduction ka fayda old regime me milta hai, jabki byaaj hamesha taxable rehta hai.
Senior citizens ke liye bhi yahi daren laagu hoti hain — post office TD me bank FD ki tarah senior citizens ko atirikt byaaj nahi milta. Ye baat chunne se pehle dhyaan me rakhein.
Post Office TD vs Bank FD — Antar
Dono me buniyadi farq ye hai: post office TD ki daren sarkar har timaahi tai karti hai aur inme koi bank-specific badlaav nahi hota, jabki bank FD ki daren har bank apne hisaab se ghoshit karta hai. Suraksha ki drishti se dono hi surakshit hain — post office me sarkari guarantee hoti hai aur bank deposits par DICGC beema (₹5 lakh tak) hota hai.
Agar aap FD kya hai pehle se jaante hain, to post office TD ko usi ka sarkari sanskaran samajh sakte hain. Aur agar har mahine thoda-thoda jama karna chahte hain, to recurring deposit ka vikalp bhi dekh sakte hain.
Adhik jaankari ke liye India Post ki official website dekhein: indiapost.gov.in
Ek chhota hisaab (andaaza): Agar aap 5 saal ke TD me ₹1,00,000 jama karte hain (7.5% dar), to maturity par aapko lagbhag ₹1,44,000–₹1,45,000 tak mil sakta hai. Ye andaaza hai — asal rashi compounding aur tax ke baad thodi alag ho sakti hai.
Yeh sirf jaankari hai, financial advice nahi hai.