Post office vs bank FD: Highest 3-year interest rate on fixed deposit for Rs 5 lakh investment in 2025

With banks reducing FD interest rates, the Post Office Time Deposit (POTD) remains competitive, offering 7.10% until June 2025. While major banks offer lower rates around 6.90%, select private banks like DCB, RBL, and YES Bank provide higher returns up to 7.50%.