Post Office Special Scheme: Turn ₹5 Lakh into ₹15 Lakh – Here’s How
Looking for a safe and high-return investment? The Post Office Term Deposit (FD) Scheme is a great option, offering higher interest rates than many banks. If you invest ₹5,00,000, you can grow it to ₹15,00,000 over time with smart reinvestment.
How ₹5 Lakh Becomes ₹15 Lakh in Post Office FD
The Post Office 5-Year Term Deposit offers an interest rate of 7.5% per annum. Here’s how your investment can grow:
Phase 1: First 5 Years
🔹 Initial Investment: ₹5,00,000
🔹 Interest Earned (7.5% for 5 years): ₹2,24,974
🔹 Maturity Amount (After 5 Years): ₹7,24,974
Phase 2: Reinvestment for Another 5 Years
🔹 New Principal Amount: ₹7,24,974
🔹 Interest Earned: ₹3,26,201
🔹 Maturity Amount (After 10 Years): ₹10,51,175
Phase 3: Reinvestment for Another 5 Years
🔹 New Principal Amount: ₹10,51,175
🔹 Interest Earned: ₹4,72,974
🔹 Final Maturity Amount (After 15 Years): ₹15,24,149
Total Earnings from Interest: ₹10,24,149
💡 With disciplined reinvestment, your ₹5 lakh turns into ₹15+ lakh!
Key Features of Post Office FD
✅ Higher Interest Rates than Banks – Earn 7.5% per annum on a 5-year FD.
✅ Flexible Extensions – Easily reinvest after maturity to maximize returns.
✅ Government-Backed Security – Your money is 100% safe with the Indian Post Office.
✅ No Market Risk – Unlike stocks or mutual funds, FD returns are guaranteed.
Post Office FD Interest Rates (2025)
| Tenure | Interest Rate |
|---|---|
| 1-Year FD | 6.9% per annum |
| 2-Year FD | 7.0% per annum |
| 3-Year FD | 7.1% per annum |
| 5-Year FD | 7.5% per annum |
📌 Note: Interest rates are subject to change. Check with your nearest post office for the latest updates.
Steps to Open a Post Office FD
1️⃣ Visit the nearest Post Office with ID proof, address proof, and passport-size photos.
2️⃣ Choose your deposit tenure and fill out the Term Deposit (TD) form.
3️⃣ Deposit the amount through cash, cheque, or online transfer.
4️⃣ Get your FD certificate and track your earnings.
Final Thoughts
💡 The Post Office Term Deposit Scheme is an excellent long-term investment for parents planning their child’s future or anyone looking for risk-free returns. By reinvesting smartly, you can triple your investment over 15 years!
📢 To start investing, visit your nearest Post Office today!
