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Bank FD Vs Post Office Scheme: Where is the highest return available, which one is more beneficial?

Shikha Saxena | July 29, 2025 5:15 PM CST

Often, when a safe investment is talked about, the names of the post office and bank FD come to people's minds. People are confused between these two while investing. Today, we will clear this confusion. We will know which one is giving more return, the post office or bank FD.

First of all, let us know how much return is being given on bank FD at present.

How much interest is being given on Bank FD?
Every small and big bank in the country is currently getting a 7 to 8 percent return. At the same time, this return is when you take a loan for 3 to 5 years. That is, you will get a good return on a bank FD only if you take a loan for a long time. Now, let us know how much return is being given in the post office scheme.

How much return is being given in the Post Office?
By the way, the highest return is given in Post Office Senior Citizen and the Sukanya Yojana. But not everyone can invest in it. You can apply for the Post Office Senior Citizen Scheme only if you are 60 years old. On the other hand, only girls can invest in the Sukanya scheme. This has been started especially for girls.

There are many such schemes in the post office, in which there is no limit for investing. The National Savings Certificate Scheme of the Post Office is currently giving 7.7 percent return. You can start this scheme with an amount of Rs 1000. There is no maximum limit in this.

Now, let's know what is better for you?

What is better?

What is better for you depends on which bank's FD you are investing in. Before investing, check how much return the bank FD is giving you. If you are getting less than 7.5 percent return on a bank FD. Then you can invest in the Post Office National Savings Certificate or the Kisan Vikas Patra Scheme.

You will also get up to 7.5 percent return in the Kisan Patra Scheme.

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