<p>Post Office: Everyone wants to get returns on their investment without any risk. There are many government schemes for this. One such scheme is the Time Deposit Scheme offered by the Post Office.</p><p> </p><img><p>Even with stock markets and mutual funds growing, many people still prefer safety. Those wanting risk-free growth often pick Post Office schemes, which remain stable.</p><img><p>Similar to a bank FD, this scheme lets you deposit for 1, 2, 3, or 5 years. You get your money back with interest at maturity. It’s risk-free with a fixed interest rate.</p><img><p>Current Post Office TD rates are: 1-year at 6.9%, 2-year at 7.0%, 3-year at 7.1%, and 5-year at 7.5%. These rates are stable, making the 5-year plan ideal for long-term goals.</p><img><p>Depositing ₹5,00,000 in a 5-year TD yields a maturity amount of ₹7,24,975. You earn ₹2,24,975 in interest alone, risk-free and unaffected by market changes.</p><img><p>Great for all ages, especially seniors and those wanting stable, risk-free returns. Many banks don’t offer 7.5% on 5-year FDs.</p>
