Post Office 3 Year TD Interest Rate
The 3-year Post Office Time Deposit interest rate is 7.1% a year for July–September 2026.
- Interest rate
- 7.1%
- Quarter
- July–September 2026
- Interest paid
- Quarterly (interest calculated quarterly, payable annually)
- Term
- 3 years
- Minimum deposit
- ₹1,000 and in multiples of ₹100
- Maximum
- No maximum limit
The Ministry of Finance sets small savings rates every quarter. For July–September 2026 the 3-year Post Office Time Deposit pays 7.1% a year, quarterly. The rate was the same in every quarter from October–December 2024 to July–September 2026.
Rules.
- Term: 3 years
- Minimum deposit: ₹1,000 and in multiples of ₹100
- Maximum: No maximum limit
- Interest payable annually but calculated quarterly.
- No additional interest on interest due but not withdrawn.
- No withdrawal before 6 months; closure after 6 months but before 1 year earns the Post Office Savings Account rate.
- Premature closure of 2/3/5-year TD after 1 year: rate 2% less than TD rate for completed years.
Work out the maturity value with our FD calculator.
Questions
What is the 3-year Post Office Time Deposit interest rate now?
7.1% a year for July–September 2026, as notified by the Ministry of Finance.
How is the interest paid?
Interest calculated quarterly, payable annually.
Compare every scheme in the small savings interest rates table.
- Scheme
- 3-year Post Office Time Deposit
- Rate history
Quarter Rate July–September 2026 7.1% April–June 2026 7.1% January–March 2026 7.1% October–December 2025 7.1% July–September 2025 7.1% April–June 2025 7.1% January–March 2025 7.1% October–December 2024 7.1% - Ministry of Finance notification
- dea.gov.in
- Sources
Source Link Ministry of Finance notification, July–September 2026 http://dea.gov.in/files/budget_division_documents/Q2ROI.pdf National Savings Institute: rate history https://www.nsiindia.gov.in/InternalPage.aspx?Id_Pk=132 Compounding frequency per India Post rate table (table header dated w.e.f. 01.04.2024; page last updated 13-05-2024) https://www.indiapost.gov.in/banking-services/savings - Last checked
Source: Ministry of Finance (Department of Economic Affairs) notifications on small savings interest rates, the National Savings Institute rate history and India Post scheme rules, linked on each record.