Post Office Time Deposit Account

Post Office Time Deposit Account Details and what is the interest rate are made in this scheme is given below. The Post Office operates several schemes. One of the schemes is called Time Deposit. This is a great plan by India Post. Under this scheme, depositors get a bumper interest of up to 7.5 percent. Apart from this, it also helps to save tax. In short, if you deposit Rs 2 lakh in this scheme as a lump sum, you will get around Rs 90 thousand as interest. Apart from this, the principal amount of 2 lakhs will also be refunded on completion of the term. So let’s know the complete details of this special scheme-

पोस्ट ऑफिसची खास योजना ! 2 लाख रुपयांच्या गुंतवणुकीवर मिळवा 90 हजार रुपये !

जर तुम्ही देखील गुंतवणुकीवर जास्त भर देत असाल तर पोस्ट ऑफिस अनेक योजना चालवते. त्यातील एका योजनेचे नाव आहे टाइम डिपॉझिट. इंडिया पोस्टची ही एक उत्तम योजना आहे. या योजनेत ठेवीदारांना ७.५ टक्क्यांपर्यंत बंपर व्याज मिळते. याशिवाय कर वाचवण्यासही मदत होते. थोडक्यात सांगायचे तर, जर तुम्ही या योजनेत 2 लाख रुपये एकरकमी जमा केले तर तुम्हाला सुमारे 90 हजार रुपये व्याज मिळतील. याशिवाय 2 लाखांची मूळ रक्कमही मुदत पूर्ण झाल्यावर परत केली जाईल. चला तर मग या खास योजनेची संपूर्ण माहिती जाणून घेऊया-

Post Office Time Deposit Account Overview

• इंडिया पोस्टच्या वेबसाइटवर उपलब्ध माहितीनुसार, पोस्ट ऑफिस टाइम डिपॉझिट खाते 4 वेगवेगळ्या कालावधीसाठी उघडले जाऊ शकते.
  • 1 वर्षासाठी 6.8%,
  • 2 वर्षांसाठी 6.9%,
  • 3 वर्षांसाठी 7% आणि
  • 5 वर्षांसाठी 7.5% व्याजदर आहे.
• व्याज दरवर्षी दिले जाते आणि त्रैमासिक गणना केली जाते. यात किमान 1000 रुपयांची गुंतवणूक करता येते. त्यापलीकडे 100 रुपयांच्या पटीत गुंतवणूक करता येते.
• पोस्ट ऑफिस टाइम डिपॉझिट कॅल्क्युलेटरनुसार, जर एखाद्या गुंतवणूकदाराने या योजनेत 5 वर्षांसाठी 2 लाख रुपये जमा केले तर त्याला एकूण 89990 रुपये व्याज मिळतील. पाच वर्षांचा कालावधी पूर्ण झाल्यावर त्याला २ लाखांची मूळ रक्कमही परत मिळेल.
• पोस्ट ऑफिस टाइम डिपॉझिट खाते 5 वर्षांसाठी उघडल्यास त्यावरही कर लाभ मिळतो. गुंतवणुकीच्या रकमेवर कलम 80C अंतर्गत वजावट मिळू शकते. या योजनेच्या इतर वैशिष्ट्यांबद्दल बोलणे, हे एकल किंवा संयुक्त खाते उघडले जाऊ शकते. एकदा गुंतवणूक केली तरच प्री-मॅच्युअर क्लोजर किमान 6 महिन्यांनंतर शक्य आहे.
• जर एखाद्या गुंतवणूकदाराला पोस्ट ऑफिस टाइम डिपॉझिट खाते वाढवायचे असेल, तर मॅच्युरिटीनंतर, तो त्याच कालावधीसाठी वाढवू शकतो. गुंतवणूकदार त्याच्या नावावर कितीही खाती उघडू शकतो. एक महत्त्वाची गोष्ट म्हणजे वार्षिक आधारावर मिळणारी व्याजाची रक्कम जरी तुम्ही काढली नाही तरी ती मृत रकमेसारखी खात्यात राहील. यावर वेगळे व्याज दिले जात नाही.

Post Office Time Deposit Account (TD) Interest payable, Rates, Periodicity etc. Minimum Amount for opening of account and maximum balance that can be retained Interest payable annually but calculated quarterly. Minimum INR 1000/- and in multiple of 100. No maximum limit.

Post Office Time Deposit Account Interest rates

Interest rates From 01.07.2023 to 30.09.2023 Period Rate

• 1yr.A/c 6.9%
• 2yr.A/c 7.0%
• 3yr.A/c 7.0​%
• 5yr.A/c 7.5 %

Salient features of Post Office Time Deposit scheme

1. (a)Who can open :-
   1. (i) a single adult
   2. (ii) Joint Account (up to 3 adults) (Joint A or Joint B)
   3. (iii) a guardian on behalf of minor
   4. (iv)a guardian on behalf of person of unsound mind
   5. (v) a minor above 10 years in his own name.
   6. Note:- Any number of account can be opened.
2. (b)Deposits :-
   1. (i) Account type for 1 year, 2 year, 3 year, 5 year.
   2. (ii) Account can be opened with minimum of Rs. 1000 and in multiple of Rs. 100. No maximum limit for investment.
   3. (iii) Interest shall be payable annually, No additional interest shall be payable on the amount of interest that has become due for payment but not withdrawn by the account holder.
   4. (iv)The annual interest may be credited to the savings account of the account holder by submitting application.
   5. (v) The investment under 5 year TD qualifies for the benefit of section 80C of Income Tax Act, 1961.
3. (c)Maturity :-
   1. (i) Deposit amount shall be repayable after expiry of 1 year, 2 year, 3 year, 5 year (as the case may be) from the date of opening.
   2. (d)Extension of Account :-
   3. (i) On maturity depositor may further extend TD account for another tenure for which account was initially opened.
   4. (ii) TD account can be extended from date of maturity within the following prescribed period.. 1 year TD = within 6 months of maturity. 2 year TD = within 12 months of maturity. 3/5 year TD = within 18 months of maturity.
   5. (iii) At the time of opening of account depositor can submit request for extension of account from the date of maturity.
   6. (iv)TD account can be extended after maturity by submitting prescribed application form at concerned Post Office along with passbook.
   7. (v) Interest rate applicable to respective TD account on the day of maturity shall be applicable to the extended period.
4. (e)Premature closure of Account :-
   1. (i)No deposit shall be withdrawn before the expiry of six months from the date of deposit.
   2. (ii) If TD account closed after 6 month but before 1 year, PO Savings Account Interest rate will be applicable.
   3. (iii) If 2/3/5 year TD account prematurely closed after 1 year, interest shall be calculated 2 % less than of TD interest rate (i.e. 1/2/3 years) for completed years, and for part period less than a year, PO Savings Interest rates will be applicable.
   4. (iv)TD account can be closed prematurely by submitting prescribed application form with pass book at concerned Post Office.
5. (f)Pledging of TD account :-
   1. (i) A TD account may be pledged or transferred as security, by submitting prescribed application form at concerned Post Office supported with acceptance letter from the pledgee.
   2. (ii) Transfer/pledging can be made to the following authorities.
6. The President of India/Governor of the State.
7. RBI/Scheduled Bank/Co-operative Society/Co-operative Bank.
8. Corporation (public/private)/Govt. Company/Local Authority.
9. Housing finance company.
10. Note:- National Savings Time Deposit Rules 2019 ​ ​

Application form