Post Office TD Scheme:If you want to earn big profits from small savings, then the 3-year Time Deposit (TD) scheme of the post office is a great option for you. Suppose, you deposit Rs 1,00,000 in it. On maturity, you will get ₹ 1,23,508 directly, that is, a clean interest of ₹ 23,508 will be credited to your account.

This is the same benefit which is usually not available in bank’s FD (Fixed Deposit). Therefore, this (TD Scheme) is fast becoming a favorite of investors, especially for those who want safe returns.

Interest rates that will win hearts

The interest rates of Post Office TD Scheme are clearly fixed according to the period of 1 to 5 years. The most interesting thing is that a fantastic interest of 7.5% is being given on 5 year FD, which is rarely seen in today’s times. Banks give such high rates only to senior citizens, but here everyone gets this opportunity.

Whether you are young or retired, the rates for everyone in the (Time Deposit) scheme are the same. This (TD Scheme) makes investment even more attractive, because good returns are available without any discrimination.

It has never been easier to start investing

Investing money in this (Post Office TD) scheme is very simple. You can start with just ₹1,000, and there is no upper limit. Meaning, invest as much as you want. This is perfect for savers who want to start with a small amount and gradually increase their amount. Whether you are employed or a householder, entry into (TD Scheme) is easy.

How to open an account, share with family

In the post office FD scheme, you can choose single account or joint account. Names of up to three people can be added in the joint form, so that the entire family can invest together and create a big fund. This not only increases savings but also strengthens family bonding. This feature of (Time Deposit) makes it more user-friendly.

Government guarantee, zero risk

The biggest feature is that all the post office schemes are guaranteed by the Government of India. That means every penny of yours will be 100% safe. Today, when there are daily ups and downs in the stock market, the (Post Office TD) scheme is shining as a reliable and stable option. If you want good interest while staying away from risk, then this (TD Scheme) is your best choice.