Post Office RD vs FD: Which Saving Plan Suits You Best?

Both Post Office Fixed Deposit (FD) and Recurring Deposit (RD) schemes are backed by the Government of India, ensuring stable returns and capital protection. While RD is perfect for disciplined monthly savers, FD is a better fit if you have a lump sum and prefer one-time investing. Let’s break it down to help you make the right choice.

What is a Post Office Recurring Deposit (RD)?

A Post Office RD is a 5-year savings plan where you deposit a fixed amount every month. It’s ideal for individuals looking to cultivate a habit of saving regularly. Interest is compounded quarterly and paid on maturity, offering steady capital growth over time.

Key Features of Post Office RD

• Fixed 5-year tenure – Encourages medium-term saving goals like college fees or travel.
• Monthly deposits starting at just Rs. 100 – Anyone can begin saving, even students and new earners.
• Quarterly compounded interest – Grow your money faster with consistent deposits.
• Premature withdrawal after 3 years – Offers partial liquidity during emergencies.
• Loan facility up to 50% of balance – Fund urgent needs without breaking your investment.
• Account transfer and nomination facility – Flexibility and succession planning in one.

Looking for better flexibility and returns on your savings?With Bajaj Finance Fixed Deposit, enjoy interest rates of up to 7.30% p.a. and flexible tenures ranging from 12 to 60 months. Open FD Account now!

Types of Post Office RD Accounts

• Single Account RD – Perfect for solo investors building individual wealth.
• Joint Account RD – Suitable for families or partners working toward shared goals.
• Minor Account RD – Great for starting your child’s savings journey early.

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Topic	Mandatory/ Optional	Char Limit	Content to update on page
Heading Text	Mandatory	90 Char	Highest Credit Ratings | Trusted with 1.4 million Deposits | Assured Returns on FD
CTA Text	Mandatory	40 Char	Open FD
CTA Link	Mandatory		https://www.bajajfinserv.in/webform/Deposit/depositLandingPage#fd
Nudge 1	Mandatory		Senior Citizen
Title 1 (Rate of Interest) R1	Mandatory	17 Char	Interest Rate*
Value		10	Up to 7.30% p.a.
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Value		10	12-60 months
Title 3 (Min. Tenor) R1	Mandatory	17 Char	Deposit Amount
Value		10	%$$FDmindepositFD$$% to %$$FDnewmaxdepositFD$$%
Nudge 2	Mandatory		Non-Senior Citizen
Title 1 (Rate of Interest) R1	Mandatory	17 Char	Interest Rate*
Value		10	Up to 6.95% p.a.
Title 2 (Min. Deposit) R1	Mandatory	17 Char	Tenure
Value		10	12-60 months
Title 3 (Min. Tenor) R1	Mandatory	17 Char	Deposit Amount
Value		10	%$$FDmindepositFD$$% to %$$FDnewmaxdepositFD$$%
Field 1			Enter your mobile number
Field 2			Please enter your 10-digit mobile number to proceed
Disclaimer text	Mandatory		By proceeding, you agree to ourTerms and Conditions
XF Path			/content/experience-fragments/bajajfinserv/web/in/en/investment/deposits/fd/form-widget/master

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Topic	Mandatory/ Optional	Char Limit	Content to update on page
Heading Text <H1>	Mandatory	45 Char	Fixed Deposit
Description Text	Mandatory	90 Char	Trusted by over 5 lakh customersFixed Deposits worth more than Rs. 50,000 crorebookedRated CRISILAAA/STABLEand [ICRA]AAA(STABLE)Special tenure of 18, 22 and 33 months offered for higher returnsUp to %$$FDsenaddinterestFD$$% p.a. extra interest offered for senior citizensFlexible interest payout optionsavailable - Monthly, Quarterly, Half-yearly, Annually or at Maturity

New Component – INSTA FD :-

For ETB Customers (Logged-in) :

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Topic	Mandatory/ Optional	Char Limit	Content to update on page
Heading 1 Text	Mandatory	90 Char	Your consolidated deposits summary
Right CTA 1 Text	Mandatory	40 Char	View Portfolio
Right CTA Link	Mandatory		https://bajajfinserv.in/myaccountlogin?Source=Loan_FD
Main CTA Text			OPEN FD IN 3 STEPS
Main CTA Link			https://www.bajajfinserv.in/webform/Deposit/insta-landing-page
Title 1 (Rate of Interest) R1	Mandatory	17 Char	Total Amount Invested
Value		10	<API driven>
Title 2 (Min. Deposit) R1	Mandatory	17 Char	Total Interest Earned
Value		10	<API driven>
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Heading 2		10	Book a new FD Instantly
Description 2			Click to replicate a previous FD investment or initiate a new one

Note - As the values are API driven, we will be updating the title of the fields/ sections.

R1/ R2 – Rows wise distribution of table/ fields. Reach out in case of any query

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Benefits of Post Office RD

• Government-guaranteed returns – Ideal for risk-averse investors.
• Low deposit threshold – Makes saving inclusive for all income groups.
• Loan facility – Helps manage cash flow without disturbing your savings.
• Long-term wealth creation – Best suited for planned financial goals.

Saving for your child’s future or a family goal? Bajaj Finance FD can help you!

Bajaj Finance offers FD options for minors and joint accounts, helping families save smartly together.Check FD Rates and start investing now!

Eligibility & Documents for Post Office RD

Eligibility:

• Resident Indians (individuals, minors aged 10+, joint accounts)

Documents:

• Aadhaar, PAN, or Voter ID for identity
• Utility bill or ration card for address
• 2 passport photos
• Filled RD application form

What is a Post Office Fixed Deposit (FD)?

Post Office FDs or Time Deposits are lump sum deposit schemes with guaranteed returns over a tenure of 1 to 5 years. You invest once and earn annual interest, which is compounded and paid annually. It’s best for investors with surplus funds who want capital safety and predictable returns.

Key Features of Post Office FD

• Tenure options from 1 to 5 years – Choose a timeline that matches your goals.
• Minimum deposit of Rs. 1,000 – Accessible for most Indian households.
• No upper limit – Great for large, safe investments.
• Premature withdrawal after 6 months – Maintain liquidity if needed.
• Automatic renewal & nomination facilities – Invest and forget, with peace of mind.

Want to grow your lump sum amount without risk?

Bajaj Finance FDs offer high interest of up to 7.30% p.a. and complete capital safety, with online booking in just a few steps. Check Eligibility now!

Component – Fixed deposit variants

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Topic	Mandatory/ Optional	Char Limit	Content
Heading Text <H2>			Fixed deposit variants
Description text			Highest Credit Ratings | Trusted with over 1.4 million Deposits | Assured Returns on FD
Nudge 1	Mandatory		Recommended
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Subheading	Mandatory		INTEREST RATES UP TO 7.30% p.a.
CTA	Mandatory		Invest Online
CTA Link	Mandatory		https://www.bajajfinserv.in/investments/fixed-deposit
Text 2	Mandatory		FD - Special Tenure - 22 Months
Subheading	Mandatory		INTEREST RATES UP TO 7.10% p.a.
CTA	Mandatory		Invest Online
CTA Link	Mandatory		https://www.bajajfinserv.in/investments/fixed-deposit
Text 3			FD - Special Tenure - 33 Months
Subheading	Mandatory		INTEREST RATES UP TO 7.30% p.a.
CTA Text	Mandatory		Open FD
CTA Link			https://www.bajajfinserv.in/investments/fixed-deposit
Text 4	Mandatory		FD - Age below 60
Subheading	Mandatory		INTEREST RATES UP TO 6.75% p.a.
CTA Text	Mandatory		Open FD
CTA Link	Mandatory		https://www.bajajfinserv.in/investments/fixed-deposit
Text 5	Mandatory		FD - Senior Citizen
Subheading	Mandatory		INTEREST RATES UP TO 7.30% p.a.
CTA Text	Mandatory		Open FD
CTA Link	Mandatory		https://www.bajajfinserv.in/investments/fixed-deposit
Text 6	Mandatory		FD – Minor
Subheading	Mandatory		INTEREST RATES UP TO 6.75% p.a.
CTA Text	Mandatory		Open FD
CTA Link	Mandatory		https://www.bajajfinserv.in/investments/fixed-deposit
XF Path			/content/experience-fragments/bajajfinserv/web/in/en/investment/deposits/fd/fd-variant/fd-variant

Types of Post Office FD Schemes

• 1-Year FD – Short-term savings with assured returns.
• 2-Year FD – Slightly higher interest for mid-term goals.
• 3-Year FD