Post Office Savings Schemes Fixed Deposit interest rates · November 2026
What will my FD earn at POSS?
| Tenure | General | Senior | Applies to | Effective On | Source |
|---|---|---|---|---|---|
1 Year |
6.90% | – | Any amount | 1 Oct 2026 ✓ verified 13 Nov 2026 | official fetched 25 Sept 2026 |
2 Years |
7.00% | – | Any amount | 1 Oct 2026 ✓ verified 13 Nov 2026 | official fetched 25 Sept 2026 |
3 Years |
7.10% | – | Any amount | 1 Oct 2026 ✓ verified 13 Nov 2026 | official fetched 25 Sept 2026 |
5 Years |
7.50% | – | Any amount | 1 Oct 2026 ✓ verified 13 Nov 2026 | official fetched 25 Sept 2026 |
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POSS FD return examples
Open a figure in the FD calculator. Darker shade = higher rate. ★ marks the highest estimated interest over one year at that rate. Maturity uses quarterly compounding. The monthly figure is simple annual interest divided by 12. Rates as of 14 Nov 2026. Confirm the current rate and payout terms with the bank.
FD rates by tenure
1 year
6.90%Before you book
POSS Fixed Deposit: frequently asked questions
What is the highest POSS Fixed Deposit interest rate?
As of 14 Nov 2026, Post Office Savings Schemes offers up to 7.50% p.a. on its fixed deposit (FD) (5 Years) for general customers and 8.20% p.a. (5 Years) for senior citizens. Rates below are as published by the bank. Confirm with POSS before investing.
What is the POSS 1-year FD interest rate?
As of 14 Nov 2026, Post Office Savings Schemes offers 6.90% p.a. on a 1-year FD for general customers (for a ₹5 lakh deposit). The rate is effective 1 Oct 2026 and was last verified 13 Nov 2026. Source: the bank's official rate page.
What is the POSS 2-year FD interest rate?
As of 14 Nov 2026, Post Office Savings Schemes offers 7.00% p.a. on a 2-year FD for general customers (for a ₹5 lakh deposit). The rate is effective 1 Oct 2026 and was last verified 13 Nov 2026. Source: the bank's official rate page.
What is the POSS 3-year FD interest rate?
As of 14 Nov 2026, Post Office Savings Schemes offers 7.10% p.a. on a 3-year FD for general customers (for a ₹5 lakh deposit). The rate is effective 1 Oct 2026 and was last verified 13 Nov 2026. Source: the bank's official rate page.
What is the POSS 5-year FD interest rate?
As of 14 Nov 2026, Post Office Savings Schemes offers 7.50% p.a. on a 5-year FD for general customers and 8.20% p.a. for senior citizens (for a ₹5 lakh deposit). The rate is effective 1 Oct 2026 and was last verified 13 Nov 2026. Source: the bank's official rate page.
Do senior citizens get higher Fixed Deposit rates at POSS?
Post Office Savings Schemes does not publish a separate senior citizen premium for these deposits in our data. Check the bank's official rate card for any senior-citizen offers.
When did POSS last change its Fixed Deposit rates?
RateScan.in has recorded no change to Post Office Savings Schemes's fixed deposit (FD) rates since it started tracking them on 25 Sept 2026.
What fixed deposit (FD) tenures does POSS offer?
Post Office Savings Schemes's published fixed deposit (FD) rate table has 4 tenure bands, from “1 Year” to “5 Years”.
How does POSS's 1-year FD rate rank?
Post Office Savings Schemes's 1-year general FD rate of 6.90% ranks #424 of 1033 banks on RateScan.in (as of 14 Nov 2026). The highest is Kattappana Urban Co-op Bank at 9.50%.
Is my fixed deposit (FD) with POSS insured?
Deposits with Post Office Savings Schemes are insured by DICGC up to ₹5,00,000 per depositor per bank (principal + interest combined).
How current are these POSS rates?
RateScan.in refreshed this dataset on 14 Nov 2026; the bank's rates shown here are effective 1 Oct 2026. Rates can change without notice, so verify on the official POSS website before investing.
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Good to know
Post Office Savings Schemes is a Government of India small savings scheme (not a bank deposit), backed by a sovereign guarantee via the Consolidated Fund of India, not DICGC insurance. Unlike bank FDs, Time Deposit and RD rates are the same for all ages. No senior citizen premium. The Senior Citizen Savings Scheme (SCSS) at 8.20% (5-year) is shown in the FD table for seniors; it has a ₹30 lakh investment cap, pays interest quarterly, and is available to those 60+ years of age (or 55+ on retirement). For comparison, top banks offer Bilagi Pattan Sahakari Bank 9.75%, Maharana Pratap Co-op Urban Bank 9.25%, Chatrapati Shivaji Maharaj Sahakari Bank 9.00% on 5-year FDs (DICGC-insured up to ₹5 lakh, vs. sovereign guarantee here). See the full Post Office schemes guide .
Informational only. Always confirm the current rate on the official POSS website before investing. Bank names and associated colors are used for identification purposes only. All bank names, logos, and trademarks are the property of their respective owners. RateScan.in is not affiliated with, endorsed by, or sponsored by any bank.
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