Post office savings schemes have always been popular among Indian investors because they combine safety, guaranteed returns, and government backing. For people who want secure growth without taking risks, the Post Office Time Deposit (TD) Scheme is one of the most reliable choices.
The Post Office TD is similar to a fixed deposit in banks. You deposit a lump sum for a fixed period, and it earns interest at attractive rates. The interest is calculated quarterly and paid annually.
1 year
2 years
3 years
5 years (most popular and comes with tax benefits under Section 80C)
1 Year TD – 6.9%
2 Year TD – 7.0%
3 Year TD – 7.1%
5 Year TD – 7.5%
The 5-year scheme is the best because of compounding + tax benefits.
If you invest ₹5,00,000 in a 5-year TD at 7.5%, your maturity amount will be about ₹7.21 lakh.
If you reinvest this maturity amount again in a 5-year TD, it will grow to around ₹10.40 lakh.
👉 That means, without taking any risk, your money doubles in just 10 years through disciplined reinvestment.
✔ 100% Government guarantee – no risk
✔ Better returns than regular savings accounts
✔ Section 80C tax exemption on 5-year deposits
✔ Ideal for retirees & senior citizens who want fixed yearly income
✔ Perfect for conservative investors who want security + growth
The Post Office Time Deposit scheme is a safe, disciplined way to double your money over time. A one-time investment of ₹5 lakh, if reinvested smartly, can grow to more than ₹10 lakh in 10 years—making this one of the best low-risk investment options for long-term financial security.