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Guardian of Life Dreams Term Plan

Offers Life cover for Whole Life or for Limited Term for age 85 years
A special 16% Level Premium Discount for women
Health Management Services worth Up to ₹75,000 p.a.
Choice of Pure Protection or Return of Premium optionKnow More

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Super Protection Plan

Option to get your money back (Return of Premium- ROP)
Flexibility to pay premiums at your convenience
Lifetime protection till age 99 years
Sum Assured as lumpsum or monthly instalments

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Life Plan

Flexibility to choose the duration
Family will receive the payout
Flexibility to choose the assured amount
Long term protection

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Protect Shield Plus Plan

Instant Issuance
Flat rate cover
No medicals
Tax benefits as per prevailing tax laws

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Saral Jeevan Bima Plan

Life Insurance Cover of up to ₹50 lakhs.
Flexible premium payment options
Up to 40 years of protection for loved ones.
Protection against COVID-19 with lump sum benefit.

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Value Shield Plus

Flexible Premium Payments Options
Life cover for Whole of Life
Special discounts for Salaried customer and Female Lives
Enhanced coverage with optional comprehensive riders

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Term Rider Plan

Additional Life Cover for up to 5-30 years
Guaranteed Lumpsum Death Benefit
Enjoy Tax Benefits on Premiums You Invest.

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Guardian of Life Dreams Term Plan

Offers Life cover for Whole Life or for Limited Term for age 85 years
A special 16% Level Premium Discount for women
Health Management Services worth Up to ₹75,000 p.a.
Choice of Pure Protection or Return of Premium option

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Super Protection Plan

Option to get your money back (Return of Premium- ROP)
Flexibility to pay premiums at your convenience
Lifetime protection till age 99 years
Sum Assured as lumpsum or monthly instalments

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Life Plan

Flexibility to choose the duration
Family will receive the payout
Flexibility to choose the assured amount
Long term protection

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Protect Shield Plus Plan

Flexibility to choose the duration
Family will receive the payout
Flexibility to choose the assured amount
Long term protection

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Saral Jeevan Bima Plan

Life Insurance Cover of up to ₹50 lakhs.
Flexible premium payment options
Up to 40 years of protection for loved ones.
Protection against COVID-19 with lump sum benefit.

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Value Shield Plus

Flexible Premium Payments Options
Life cover for Whole of Life
Special discounts for Salaried customer and Female Lives
Enhanced coverage with optional comprehensive riders

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Radiance Smart Invest Plan

Zero Fund allocation charges
10 different funds to choose from
3 plan options to achieve your investment goals
100% Premium invested to Maximize Fund Value

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Money Balance Plan

Optimised Investment Strategy
Flexible-Premium Payment
Partial Withdrawal Flexibility
Convenient Fund Accessibility

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TULIP Plus Plan

Up to 100x life insurance cover
Up to 750%* return of Premium Allocation charges
Riders designed to cover additional risks
Reduced premium allocation charge for higher premiums

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TULIP Pro Plan

Up to 20X Life Cover for Your Loved Ones
Additional Coverage through TERM Rider
Multiple Investment Strategies and up to 10 Diversified Funds
Up to 600% of Premium Allocation Charges returned at Maturity

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Wealth Maximizer Plan

Market Linked Returns
Free switches for maximum gain
Long-term loyalty benefits
Add top-up premiums

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Long Guaranteed Income Plan

Short-Term Payments, Long-Term Gains
Guaranteed Income to fulfill Financial Goals
Lifetime Income Till 99 years of age
Continuous Life Cover without any interruption

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Guarantee Of Life Dreams Plan

Choice of 3 income Options
UpTo 5% Extra Income on Online Purchase
Enhanced Income Benefit for Women
Option to Choose the date to receive a regular income.

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Growth of Life Dreams Plus Plan

Start income as early as the 1st policy month or defer it up to 10 years
(GPB) Policy benefits continue for your nominee even in your absence
Choose long-term income or whole-life income
Flexibility to choose Life cover option up to 11x

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Assured Income For Milestones Plan

Guaranteed long-term income plan
Ideal for milestone-based financial planning
Three customizable benefit options
Immediate or deferred income variants

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Guaranteed Single Premium Plan

One-time payment (Single Pay)
Tax saving benefits*
Life Cover that is 1.25 times higher

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Mahajeevan Plus Plan

Life cover of up to 15 or 20 years
Periodic Cash backs
Uninterrupted Life Cover
Money Back Discounts with Early Premium Payments

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Smart Retirement Plan

Market-linked returns, with 3 new funds!
2 plan options to secure your retirement
ZERO allocation or administration charges.
Guaranteed Additions* of up to 5% in Year 1

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Guaranteed Pension Plan

Income for Life
5 Annuity Choices
Joint Life Security
Escalating Annuity option

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Guaranteed Annuity Plan

Retirement Planning
12 Annuity Options
Exclusive benefits for NPS subscribers
Continuity with Joint Life Option

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Guaranteed Retirement Plan

Assured Returns
Beat Inflation
Choose How to Save
Save Longer for up to 40 years

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Unit-Linked Pension Plan (ULPP)

Zero Charges Plan
You Pay 100. We Invest 105
Market-Linked Growth
Flexible Premium Options

Guarantee Of Life Dreams Plan

Choice of 3 income Options
UpTo 5% Extra Income on Online Purchase
Enhanced Income Benefit for Women
Option to Choose the date to receive a regular income.

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Life Long Guaranteed Income Plan

Short-Term Payments, Long-Term Gains
Guaranteed Income to fulfill Financial Goals
Lifetime Income Till 99 years of age
Premium Payback Assurance

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Assured Income For Milestones Plan

Guaranteed long-term income plan
Ideal for milestone-based financial planning
Three customizable benefit options
Immediate or deferred income variants

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Guaranteed Single Premium Plan

One-time payment (Single Pay)
Tax saving benefits*
Life Cover that is 1.25 times higher

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Term Rider Plan (non-linked)

Additional Life Cover for up to 5-30 years
Guaranteed Lumpsum Death Benefit
Enjoy Tax Benefits on Premiums You Invest.

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Term Rider (linked)

Additional Life Cover for up to 5-67 years
Lump sum death benefit equal to the sum assured
Enjoy Tax Benefits on Premiums You Invest.

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Waiver of Premium Rider (non-linked)

3 Coverage Options
Guaranteed Financial Protection For Your Loved Ones
Policy Remains Effective in Your Absence (WOP)
10 Critical Illness Cover

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ADB Rider (non-linked)

Up to 2 Cr. Additional cover
Protect your loved ones at affordable price.
Tax Advantages

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ADB Rider (linked)

Up to 2 Cr. Additional cover over existing policy
Protect your loved ones at affordable price.
Tax Advantages

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TPD Rider (non-linked)

Up to 1 Cr. Additional cover
Protect your loved ones at affordable price.
Tax Advantages

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TPD Rider (linked)

Up to 1 Cr. Additional cover
Protect your loved ones at affordable price.
Tax Advantages

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Group Living Benefits Plan

Comprehensive Group Health Insurance
Affordable Heatlh Coverage for Corporate
COVID-19 Protection for Group Life Insurance
Fixed Benefit Assurance

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Group Term Plan

Affordable Group Term Insurance
Voluntary or Automatic Enrollment
Enhanced Coverage with EDLI
Flexible Premium Payment

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New Corporate Benefit Plan

A separate plan for each scheme
Minimum guaranteed return of 0.5% p.a.
Yearly Bonus as per company’s performance
Earn easy returns

Employee Benefit Plan

Manage your future employee liabilities
Choose from 4 fund options
Tax free gratuity up to 20 lakh

Group Credit Protect Plan

Affordable Life Cover
5 benefit options
2 Cover options
Truncated Cover

Little Champ Plan

Financial Protection
Customisable Policy
Guaranteed Payouts
Flexible Coverage Options

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Term Insurance Calculator

Use our Term Insurance Calculator to estimate the right cover for your family’s financial security.

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Plan your child’s education and future goals with our easy Child Plan Calculator.

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Estimate how much you need to save for a comfortable and stress-free retirement.

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See how delaying investments can impact your long-term wealth creation.

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Calculate your Human Life Value and understand the insurance cover your family needs.

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Check the paid-up value of your policy and make informed financial decisions.

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Estimate your regular income after retirement using our Annuity Calculator.

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Estimate potential returns on your ULIP investments over the policy term.

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Understand how your money grows over time with the power of compounding.

Future Wealth Creation Calculator

Plan your investments effectively to achieve your long-term wealth goals.

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Calculate returns on your monthly SIP investments in just a few clicks.

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Calculate your estimated returns on your lumpsum investment

Step-up SIP Calculator

See how increasing your SIP each year boosts your wealth. Use our Step-Up SIP Calculator for smarter financial planning

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Check how much monthly income your investment can generate and how long your corpus can last.

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Calculate your tax liability and plan your taxes efficiently.

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Features of Post Office Time Deposit
Interest Rates for Post Office Time Deposit
Eligibility Criteria for Post Office Time Deposit
How to Open a Post Office Time Deposit Account?

If you are looking for a safe and guaranteed way to grow your savings, the Post Office Time Deposit Scheme could be a great choice. Offered by the Indian Postal Department or India Post, this scheme works like a fixed deposit and comes with the trust and backing of the government. It allows individuals to deposit money for fixed tenures and earn assured returns. With flexible tenures and secure returns, it can be a popular choice for conservative investors across the country.

Features of Post Office Time Deposit

The Post Office Time Deposit Scheme, also referred to as the TD scheme in the post office, comes with several useful features.

Government-Backed Security

As a product offered by India Post and backed by the Government of India, it offers high credibility and zero market risk. This makes it ideal for conservative investors and senior citizens.
Flexible Deposit Tenure

You can choose from four deposit periods: 1 year, 2 years, 3 years, and 5 years, depending on your financial goals and liquidity needs.
Attractive, Fixed Returns

The post office TD interest is fixed at the time of investment and remains unchanged throughout the tenure. It is also unaffected by market conditions.
Low Minimum Investment

You can start with just ₹1,000 and add in multiples of ₹100. There is no limit for maximum investment. This makes the post office term deposit scheme an ideal low-risk addition to your investment plans.
Types of Accounts

An individual can open multiple accounts or hold a joint account with another adult. One can open a post office TD scheme account for a minor and keep a legal guardian to manage it until the minor turns of age.
Interest Transfer to Other Accounts

The annual interest from the post office time deposit scheme can be credited directly into your post office savings account at the same branch. Or you can also create a National Savings Recurring Deposit Account or a 5-year Post Office Recurring Deposit. The amount can serve as the full year's deposit. You can submit a formal application for this purpose.
Mode of Payment

Once the term deposit matures, the total amount accumulated, i.e., the principal plus interest, can be received in cash or by cheque. If the total corpus of the post office time deposit scheme is above ₹20,000, the post office will issue a cheque as per current rules.

Interest Rates for Post Office Time Deposit

The interest rate of the post office time deposit scheme is reviewed and declared every quarter by the government. As of the most recent update, the interest rates are:

1-year TD: 6.9% p.a.
2-year TD: 7.0% p.a.
3-year TD: 7.0% p.a.
5-year TD: 7.5% p.a.

These rates are subject to change and should be verified with the local post office or official website. The rate of interest in a post office TD is slightly higher for the 5-year plan. Plus, the 5-year TD also offers tax savings under Section 80C of the Income Tax Act.^**

It is important to note that, unlike some other savings options, the post office fixed deposit interest rate remains the same for the entire tenure of the deposit. This means your earnings are unaffected by external factors. You can easily get an idea of the returns from your post office TD with the help of an online investment calculator.

Eligibility Criteria for Post Office Time Deposit

The eligibility requirements for the post office term deposit scheme are as follows:

Individual Investors

Any Indian citizen can open an account, either individually or jointly.
Minors

A minor above 10 years of age can open an account in their own name.
Guardian Account

A guardian can open an account on behalf of a minor or a person of unsound mind.

There is no upper limit on the number of accounts or the total amount you can invest. The minimum deposit is ₹1,000, and subsequent deposits must be in multiples of ₹100.

How to Open a Post Office Time Deposit Account?

Here’s a step-by-step guide on how to open an account under the TD scheme in the post office:

Step 1. Go to your nearest post office, ideally one where you already have a savings account.

Step 2. Request and fill out the ‘Account Opening Form’ for a term deposit.

Step 3. Submit KYC Documents:

Aadhaar card
PAN card
Passport-sized photographs

Step 4. Deposit the amount (minimum ₹1,000) via cash, cheque, or by transferring from your post office savings account.

Step 5. Select the desired tenure (1, 2, 3, or 5 years).

Step 6. Nominate a beneficiary during account opening (or at a later stage).

Once the account is opened, a passbook will be issued (which will have your deposit and maturity details).

You can also open a TD account online if you have a post office savings account with internet banking enabled.

Before you park your funds in a post office TD scheme, you may want to get a quick idea of your returns. The same can be availed with the help of an investment calculator. It allows you to input the amount, tenure, and other relevant information, and receive return estimates in seconds.

The post office time deposit scheme is an ideal option for individuals seeking a secure, low-risk investment with guaranteed returns. It offers easy accessibility, government backing, flexible tenures, and a fixed post office TD interest rate. It can also serve as a valuable alternative to regular bank deposits and works well alongside other instruments such as post life insurance. Use an investment calculator to plan wisely and make the most of your TD returns for long-term financial stability.

** Tax exemptions are as per applicable tax laws from time to time.

Post Office Time Deposit Scheme 2026

Features of Post Office Time Deposit

Interest Rates for Post Office Time Deposit

Eligibility Criteria for Post Office Time Deposit

How to Open a Post Office Time Deposit Account?

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Post Office Time Deposit Scheme 2026

Features of Post Office Time Deposit

Interest Rates for Post Office Time Deposit

Eligibility Criteria for Post Office Time Deposit

How to Open a Post Office Time Deposit Account?

Related Articles

Features of Post Office Time Deposit

Government-Backed Security

Flexible Deposit Tenure

Attractive, Fixed Returns

Low Minimum Investment

Types of Accounts

Interest Transfer to Other Accounts

Mode of Payment

Interest Rates for Post Office Time Deposit

Eligibility Criteria for Post Office Time Deposit

Individual Investors

Minors

Guardian Account

How to Open a Post Office Time Deposit Account?

Get in touch with an expert

Our Life Insurance Plans

Term insurance

ULIP – Unit-Linked Insurance Plan

Child Education Plan

Retirement And Pension Plans

Savings Plan

Related Blogs

Explore our calculators to plan for your financial goals

Most Searched Terms