Join WhatsAppPost Office FD Scheme: Many people dream of safe investments where their money not only stays secure but also grows steadily. The Post Office Fixed Deposit (FD) is one such trusted option. For years, Indian families have relied on it because it feels stable, just like keeping money in a safe box — except this safe also pays you extra when you open it later. So, if you put ₹4 lakh into a Post Office FD, how does it become ₹5,79,979 after a few years? Let’s break it down in a simple way.
Current Interest Rate on Post Office FD
As of now, Post Office FD interest rates vary depending on the chosen tenure. The most attractive return comes when you lock your money for 5 years, as it also qualifies for tax benefits under Section 80C. The average interest rate offered for 5-year FDs is around 7.5% per annum, compounded quarterly. This compounding effect is what makes your money grow bigger with time.
Calculation on ₹4 Lakh FD
Here’s how your investment will grow:
| Deposit Amount | Interest Rate | Tenure | Maturity Value | Total Interest Earned |
|---|---|---|---|---|
| ₹4,00,000 | 7.5% (quarterly compounding) | 5 Years | ₹5,79,979 | ₹1,79,979 |
So, your ₹4 lakh does not just sit idle — it works quietly, adding small amounts of interest every three months, and in the end, gives you almost ₹1.8 lakh extra over 5 years.
Why Choose Post Office FD?
The charm of Post Office FD is not just in the returns, but also in the trust it carries. Backed by the Government of India, it feels safe for those who don’t want to take risks in the stock market. It’s also a good choice for people who like the idea of guaranteed income after maturity, without worrying about ups and downs.
Conclusion
If you invest ₹4 lakh in a Post Office FD for 5 years at 7.5% interest, you’ll receive ₹5,79,979 at maturity. That’s a simple, safe, and reliable way to grow your savings without stress. For anyone who values security and steady growth, this scheme can be a strong option to consider.
Disclaimer: This article is for educational and general awareness purposes only. Interest rates and rules may change as per government policies. Please check the latest details on the official Post Office website or visit the nearest branch before investing your money