Post Office Special FD Schemes

What are Post Office Special FD Schemes 2025?

The Post Office Special FD Schemes 2025 are government-backed special investment options. They are designed to give depositors more than just standard time deposits. With exclusive tenures, flexible payout options, and assured returns backed by government security, these schemes cater to a wide range of saving goals. The Post Office FD interest rates vary depending on the chosen tenure, allowing investors to match their deposits with their financial needs. 

Below are some of the special fixed deposit schemes available in 2025 :

• Post Office 444 Days FD: Fixed deposit with a tenure of 444 days, which is about 1 year and 79 days, earning returns with quarterly compounding. It benefits depositors who want fixed returns without locking funds for several years.
• Post Office 333 Days FD: A mid-tenure fixed deposit with a tenure of 333 days, with interest payable monthly, quarterly, or at maturity. It is designed for depositors who prefer a tenure of less than a year.

Post Office Special FD Scheme Interest Rates 2025. 

The latest FD interest rates on Post Office Special FD Schemes are mentioned below.

Post Office 444 Days FD Interest Rates 

Post Office FD interest rates w.e.f. July 1, 2025

Post Office 333 Days FD Interest Rates 

Post Office FD interest rates w.e.f. July 1, 2025

Illustrations for Different Post Office Schemes

The following illustrations show how interest is calculated and how the maturity value is derived for select Post Office Special FD Schemes:

Post Office 444 Days FD

Suppose a customer invests ₹1,00,000 in this scheme for 444 days. The Post Office FD calculator will generate the returns as follows:

• Simple Interest Calculation (Rate 7.00%):

  SI = (1,00,000 × 7.00 × 1.22) ÷ 100 = ₹8,540

  Maturity Amount = 1,00,000 + 8,540 = ₹1,08,540

• Compound Interest Calculation (Quarterly Compounding, 7.00%):

  A = 1,00,000 (1 + 0.07 ÷ 4)^(4 × 1.22)

  A ≈ ₹1,08,651

  Compound Interest = 1,08,651 – 1,00,000 = ₹8,651

Post Office 333 Days FD

Let’s say, a customer invests ₹1,00,000 in this scheme for 333 days; the maturity value can be worked out as follows:

• Simple Interest Calculation (Rate 6.90%):

  SI = (1,00,000 × 6.90 × 0.91) ÷ 100 = ₹6,279

  Maturity Amount = 1,00,000 + 6,279 = ₹1,06,279

• Compound Interest Calculation (Quarterly Compounding, 6.90%):

  A = 1,00,000 (1 + 0.069 ÷ 4)^(4 × 0.91)

  A ≈ ₹1,06,321

  Compound Interest = 1,06,321 – 1,00,000 = ₹6,321

Key Features of Post Office Special FD Schemes

The Post Office Special FD Schemes come with several important features. Some of the key features are:

• Minimum Deposit Amount: A Post Office Special FD can be opened with a minimum of ₹1,000, and additional deposits must be made in multiples of ₹100. This low entry requirement makes it accessible for a wide range of depositors.
• Nomination Facility: The Special FD schemes provide a nomination option, allowing depositors to nominate a beneficiary who can claim the deposit in case of unforeseen events.
• Deposit Types: These schemes are available in cumulative and non-cumulative options, allowing depositors to choose between reinvested interest or regular payouts.
• Premature Withdrawal: Withdrawals are permitted after 6 months of deposit opening, but an interest penalty applies. If the account is closed on maturity, no penalty is charged.

Eligibility Criteria for Post Office Special FD Schemes

The following categories of applicants are eligible to open a Post Office Special FD account:

• Resident individuals (single or joint)
• Minors through guardian or self (above 10 years)
• Joint holders (up to three persons)
• Registered societies or associations
• Government departments or authorities
• Institutional accounts permitted under Post Office rules
• Senior citizens are under the same guidelines
• Other categories notified by the Government of India

Documents Required for Post Office Special FD Schemes

The documents generally required to open a Post Office Special FD (for new customers) are:

• Proof of Identity: Aadhaar, PAN, Passport, Voter ID, or Driving Licence.
• Proof of Address: Aadhaar, Passport, recent utility bill, or Post Office savings passbook with current address.
• Recent Photograph: Passport-size photograph, usually required for offline applications.
• PAN Card: Mandatory for tax purposes and TDS compliance.
• KYC Documents: e-KYC is accepted for digital applications, while physical KYC documents are required for accounts opened at Post Office branches.
• Linked Account Details: A Post Office savings account or bank account for receiving interest and maturity proceeds.

Post Office Special FD Schemes Tax Implications

Interest earned on Post Office fixed deposits is taxable under “Income from Other Sources” and must be included in the depositor’s total income. From April 1, 2025, the threshold for TDS (Tax Deducted at Source) on FD interest is ₹50,000 per annum for general depositors, while for senior citizens, the exemption limit is ₹1,00,000 per annum. If the interest income exceeds these limits, TDS is deducted at 10% when PAN is provided and 20% if PAN is not linked or submitted. Depositors whose total annual income is below the taxable limit can avoid TDS by submitting Form 15G or Form 15H, as applicable.

Wrapping Up

Post Office Special FD Schemes provide depositors with fixed returns across different tenures, making them suitable for short and medium-term savings. Options such as the 333 Days FD and 444 Days FD are available along with other time deposit variants, offering flexibility to investors. The Post Office FD interest rates range between 6.90% and 7.00% per annum, with the same rates applicable to general and senior citizens.