Post office term deposit ya phir bank fixed deposit

Post office saving schemes ki bat kare to post office mo bohat sari small saving scheme hai jisme se ek hai term deposit. Post office term deposit kuch had tak bank ke fixed deposit jaisi hi hai. In dono me kya difference hai aur konsi scheme jyada behtar hai aur ye batane se pehle post office term deposit kya hai ye jan lete hai.

Post Office Term Deposit

Post office term deposit kya hai ?

Term deposit jese name se pata chalta hai, yaha aap term base pe paise invest kar sakte hai jese ki 1 year, 2 year, 3 year and 5 year. Investor apne lump sum amount apne hisab se term decide karke invest kar sakta hai.

Eligibility

Koi bhi adult single ya joint account open kar sakta hai, par group account, trust and welfare ya institutes ye account open nahi karva sakte hai.

Investment & rates

Aap minimum 200 Rs. aur 200 Rs. ke multiple me jama kar sakte hai aur yaha maximum koi limit nahi hai.

  • 1 year – 8.2%,
  • 2 year – 8.3%,
  • 3 year – 8.4%,
  • 5 year – 8.5%.

Tax

Agar aap post office term deposit me 5 saal ke liye invest karte hai to apko section 80c ke according koi tax nahi pay karna padega aur to aur interest par bhi koi TDS nahi katega.

Kya post office term deposit bank ke fix deposit se behtar hai ?

  • Tenure of deposit

Post Office Term deposit 1, 2, 3 ya 5 year se ke liye open kar sakte hai.

Bank FD 15 days se 10 year ke liye open kar sakte hai.

  • TDS

Post office term deposit me interest par TDS nahi lagta hai.

Bank FD me interest par TDS deduct hota hai.

  • Opening the deposit account

Post office term deposit adult single ya joint account open kar sakta hai, par group account, trust and welfare ya institutes ye account open nahi karva sakte.

Bank FD open karne me aisi koi eligibility ki jarurat nahi padti aur sabhi FD karva sakte hai.

  • Safety

Post office government of India chalati hai yani 100% safe hai.

Bank FD me aisi koi safety nahi hoti lekin 1 lakh tak ka amount insurance me cover hota hai.

  • Interest rates

Post office deposit rates 8.2 se 8.5% tak hote hai.

Bank deposit rates 6.5 se 8.50 % tak hote hai.

Term deposit bank or post office dono offer karti hai jiske advantage disadvantage hai. Aap apne jarurato ko dhyan me rakhkar jo plan achha hai aur jo apko jyada return de sake usse select kar sakte hai.

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