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India Post Time Deposit (TD) interest rates for 1 October through 31 December 2026 are 6.9% for one year, 7.0% for two years, 7.1% for three years and 7.5% for five years. “Fixed deposit” is a common search term, but the official name of this India Post small-savings scheme is Time Deposit.
Post Office Time Deposit rates from 1 October to 31 December 2026
The rates below apply during the third quarter of FY 2026–27. The Ministry of Finance notice, reproduced by contemporaneous sources, says the rates remain unchanged from the previous quarter. The Department of Economic Affairs listing identifies the Q3 notice as published on 30 September 2026; the rates are reproduced in the quarterly rate schedule and the Department of Economic Affairs notice listing.
| Time Deposit term | Annual interest rate, 1 Oct–31 Dec 2026 |
|---|---|
| 1 year | 6.9% |
| 2 years | 7.0% |
| 3 years | 7.1% |
| 5 years | 7.5% |
The reproduced Ministry of Finance memorandum dated 30 September 2026 states that rates for the quarter “shall remain unchanged from those notified for the second quarter (1st July, 2026 to 30th September, 2026) of FY 2026-27.” The notice names Masroor Ahmad as Deputy Secretary (Budget). See the reproduced memorandum.
What the rates do—and do not—tell you
The schedule compares the published annual interest rates by deposit term. It does not, on its own, establish a particular depositor’s net return, tax treatment, payout mechanics, minimum deposit, or consequences of closing an account early. Those details should be confirmed in the current scheme terms before opening an account; do not treat the headline rate as a personalised return calculation.
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The five-year term has the highest listed rate, but that does not make it the right choice for everyone. The schedule does not account for your need for access to the money, tax position or the terms that apply if you withdraw early.
Independent reader supportYour contribution helps us test, update, and keep practical guides available for everyone.How to check current terms and open an account
These figures are quarter-specific and apply only through 31 December 2026. Check the latest government notice and India Post scheme information before acting, since a later quarterly schedule may change the rates. India Post’s scheme page uses the official name “Time Deposit”; its surfaced guidance describes submitting a completed account-opening form with KYC documents and a deposit slip at the post office where you want to open the account. Confirm current requirements directly with India Post or the post office, as instructions may change. India Post Time Deposit information.
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