If you are hunting for a “zero-risk” place to park your savings, the Post Office Time Deposit (TD) is making a lot of noise. With the stock market acting like a roller coaster lately, more people are looking at government-backed schemes where their money is actually safe.
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Investing ₹1,00,000 in your spouse’s name isn’t just a romantic gesture—it’s a smart financial move with guaranteed returns. Here is the lowdown on how your money grows.
The ₹1 Lakh Calculation: What Do You Get?
If you deposit ₹1,00,000 for a 2-year tenure, here is the math:
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Interest Rate: 7.0% per annum
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Total Interest Earned: ₹14,888
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Maturity Amount: ₹1,14,888
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Why Choose Post Office over Banks?
While many private banks are trimming their FD rates, the Post Office has kept its 2026 rates steady. Here’s how the slabs look right now:
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1 Year: 6.9%
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2 Years: 7.0%
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3 Years: 7.1%
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5 Years: 7.5% (The “Big Winner”)
Rules of the Game
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Who can open it? Any adult (single or joint), or even a minor over 10 years.
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Minimum Investment: Just ₹1,000. There is no upper limit, so you can go as high as you want.
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Payout: Interest is calculated quarterly but paid out annually into your savings account.
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Safety: Unlike banks (where only up to ₹5 lakh is insured), every rupee in the Post Office is backed by a Sovereign Guarantee from the Government of India.
The Verdict: If you have some idle cash and want a stress-free return without checking the markets every five minutes, the 2-year or 5-year TD is your best bet for 2026…
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Tip: If you can lock your money away for 5 years, you don’t just get the highest interest (7.5%), but you also qualify for a tax deduction under Section 80C. It’s a double win!
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