look news india
_1603096754.jpg)
New Delhi/Lucknow. ‘Indian Post Office’, the first choice of crores of people of the country for savings, is once again in the news. In terms of safe investment and guaranteed returns, the Post Office Fixed Deposit (Time Deposit) scheme is giving tough competition to banks. The changes made by the government in the interest rates of small savings schemes in the year 2026 are directly benefiting the middle class and small investors. If you want to start with a small amount like ₹ 10,000 for your children’s future or your own savings, then this news is for you only.
How much interest will be given on 1 year FD?
As per current rules, on 1 year FD (TD) in post office 6.9% An annual interest rate of Rs. If you invest ₹ 10,000 today, after the completion of one year you will get approximately ₹690 Will be received only in the form of interest. That means your maturity amount is around ₹10,690 It will be done. The biggest feature of the post office is that your money is completely safe here and the interest is calculated on quarterly basis, which is paid annually.
Will money double in 2 years? Know the reality of this claim
Under the ‘New Year Offer’ on social media, it is being claimed that money will double in 2 years. In the style of Amar Ujala, let us make it clear to you that at present there is no such government scheme which can double the money in just 2 years. To double the money, there are schemes of Post Office like ‘Kisan Vikas Patra’ (KVP), which takes about 9 to 10 years. However, the interest rate on 2 year FD 7.0% Which gives more profit than 1 year. Be sure to check the official rates before falling for any misleading advertisement.
What will happen if money is withdrawn prematurely?
Many times investors ask whether they can get a profit of ₹400 in 4-5 months? Technically, if you invest ₹10,000 at 6-7%, interest of ₹400 accrues in about 7-8 months. But remember, the minimum tenure of Post Office FD is 1 year. If you withdraw money after 6 months and before 1 year, you will not get FD interest but only Saving Account (4%) The amount of interest you will get. Therefore, it is wise to run the scheme till maturity for maximum benefits.
How to start investing? Golden opportunity for children
Opening an FD account in the post office has now become very easy. You can start an FD with just ₹1,000 by visiting your nearest post office.
Required Documents: Aadhar Card, PAN Card and passport size photo.
Nomination Facility: You can make your children or any family member a nominee.
Online Banking: Now you can also track your deposits through ‘India Post Payments Bank’ (IPPB) app.
Amar Ujala’s opinion for investors
Amid rising inflation, post office rates are often attractive compared to bank FDs. If you do not want to take risks and want to avoid the ups and downs of the stock market, then Post Office Time Deposit is a safe option. Keep your future needs in mind while choosing a tenure of 1 year, 2 years, 3 years or 5 years. On 5 year FD you will get Section 80C Under this, the benefit of exemption in income tax is also available.