Post Office FD Scheme kya hai? Jaane interest rate, 1 year, 2 year, 5 year FD details, eligibility, documents aur account opening process in Hindi.

🔹 Introduction – Post Office FD Scheme

Post Office FD Scheme, jise Post Office Time Deposit (TD) bhi kaha jata hai, India ki ek popular government-backed saving scheme hai. Is scheme me aap ek fixed time ke liye paisa invest karte ho aur maturity par guaranteed return milta hai.

Ye scheme un logon ke liye best hai jo safe investment + fixed return chahte hain, jaise senior citizens, salaried employees aur small investors.

Is article me hum detail me samjhenge:

• Post Office FD Scheme kya hai

• Interest rate kitna milta hai

• 1 saal, 2 saal, 3 saal, 5 saal FD options

• Eligibility, documents aur apply process

• Benefits, tax rules aur FAQs

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🔹 What is Post Office FD Scheme?

Post Office FD Scheme ek fixed deposit scheme hai jisme aap ek baar paisa deposit karte ho aur fixed period ke baad maturity amount milta hai.

Isme 4 tenure options hote hain:

• 1 Year FD

• 2 Year FD

• 3 Year FD

• 5 Year FD (Tax Saving FD)

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🔹 Post Office FD Interest Rate (Latest Approx)

⚠️ Interest rate time to time change ho sakta hai.

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🔹 Minimum & Maximum Investment

• Minimum Investment: ₹1000

• Maximum Investment: No upper limit

Aap multiples of ₹100 me invest kar sakte ho.

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🔹 Who Can Open Post Office FD Account? (Eligibility)

• Indian citizen

• Individual account

• Joint account (up to 3 persons)

• Minor ke naam par guardian ke through

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🔹 Documents Required

• Aadhaar Card

• PAN Card

• Passport size photo

• Address proof

• Account opening form

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🔹 How to Open Post Office FD Account? (Apply Process)

Offline Process:

1. Nearest post office visit kare

2. FD account opening form bhare

3. Documents attach kare

4. Cash / Cheque se deposit kare

5. Passbook mil jayega

Online Process:

Agar aapke paas Post Office Internet Banking hai:

1. Internet banking login kare

2. Time Deposit option select kare

3. Amount aur tenure choose kare

4. Confirm kare

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🔹 Post Office FD Maturity Calculation (Example)

Agar aap ₹1,00,000 5 saal ke liye invest karte ho @7.5%:

Maturity Amount ≈ ₹1,45,000 (Approx)

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🔹 Tax Benefit in Post Office FD

• Sirf 5 Year FD par Section 80C ke under tax deduction milta hai

• Interest income taxable hota hai

• TDS applicable ho sakta hai

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🔹 Premature Withdrawal Rules

• 6 months se pehle withdrawal allowed nahi

• 6 months ke baad interest rate kam milta hai

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🔹 Post Office FD Scheme Benefits

• Government guarantee

• Fixed & safe return

• Easy to open

• Low minimum investment

• Tax saving option (5 Year FD)

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🔹 Post Office FD vs Bank FD

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🔹 Who Should Invest in Post Office FD?

• Senior citizens

• Risk-averse investors

• Salaried persons

• First-time investors

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🔹 FAQ – Post Office FD Scheme

Q1. Post Office FD minimum amount kitna hai?
₹1000

Q2. Kya Post Office FD safe hai?
Haan, ye government backed scheme hai.

Q3. Kya online FD open kar sakte hain?
Haan, agar internet banking activated ho.

Q4. Kya interest monthly milta hai?
Nahi, interest annually compound hota hai.

Q5. Kya Post Office FD par loan milta hai?
Nahi, loan facility available nahi hai.

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🔹 Disclaimer

Ye article sirf general information ke liye hai. Interest rates aur rules time ke saath change ho sakte hain. Invest karne se pehle nearest post office ya official website se confirm karein.

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