Post Office Fixed Deposit Scheme: Calculating Returns on Investments: The Post Office provides a Fixed Deposit (FD) scheme with varying interest rates based on different investment periods. Hence, prior to investing in the Post Office FD scheme, it’s crucial to have comprehensive knowledge regarding the applicable interest rates and the resulting returns.

Investing funds in the Post Office ensures timely and guaranteed returns, with the assurance of complete safety for the invested amount. Presently, millions of individuals across the country have entrusted their savings to Post Office schemes, demonstrating enduring confidence in their reliability.

This article aims to elucidate the interest rates and returns on investing Rs 25,000 in the Post Office FD scheme over periods of 1 year, 2 years, 3 years, and 5 years.

Interest Rates on Post Office FD

The Post Office FD scheme offers investment options spanning from 1 year to 5 years, with competitive interest rates currently being extended to customers. Below are the interest rates applicable to Post Office FD schemes across different tenures:

• Post Office 1 Year FD Scheme – 6.9 percent
• Post Office 2 Year FD Scheme – 7.0 percent
• Post Office 3 Year FD Scheme – 7.1 percent
• Post Office 5 Year FD Scheme – 7.5 percent

As observed, the Post Office offers varying interest rates depending on the investment duration, with longer periods yielding higher interest rates and subsequently, higher returns.

Returns on Rs 25,000 FD Investment

For an investment of Rs 25,000 in the Post Office FD scheme, varying returns are offered based on different interest rates over periods of 1 year, 2 years, 3 years, and 5 years. Below delineates the returns provided by the Post Office for each investment duration:

• 1 Year FD: At an interest rate of 6.9 percent, the Post Office provides a return of ₹ 26,770 after one year.
• 2 Year FD: With an interest rate of 7 percent, the Post Office offers a return of ₹ 28,722 after 2 years.
• 3 Year FD: At an interest rate of 7.1 percent, investors receive a benefit of ₹ 30,877.
• 5 Year FD: With an interest rate of 7.5 percent, investors garner a return of Rs 36,249.

Investing in Post Office FD Scheme

To invest in the Post Office FD scheme, individuals are required to visit the nearest post office and open an account for their investment. It’s imperative to carry along the Aadhar card and the registered mobile number linked to the Aadhar card. Additionally, two recent passport-size photographs are necessary. Lump sum investment is mandated at the time of opening the account, requiring investors to bring the desired investment amount along.