Canara vs Post Office FD
Side-by-side comparison of Canara Bank and India Post Office FD schemes — rate bands, senior bonuses, compounding and end-to-end maturity on identical inputs. All figures use last-published rates as on 2025-09.
Canara vs Post Office — FD side-by-side
rates as on 2025-09Canara FD Interest Rates
last published — 2025-09| Tenor | General (% p.a.) | Senior (% p.a.) |
|---|---|---|
| 7 – 45 days | 4.00 | 4.00 |
| 46 – 179 days | 5.25 | 5.75 |
| 180 days – 1 year | 6.15 | 6.65 |
| 1 year – 444 days | 6.85 | 7.35 |
| 444 days (special) | 7.25 | 7.75 |
| 445 days – 3 years | 6.80 | 7.30 |
| 3 – 5 years | 6.50 | 7.00 |
| 5 – 10 years | 6.50 | 7.00 |
Post Office FD Interest Rates
last published — 2025-09| Tenor | General (% p.a.) | Senior (% p.a.) |
|---|---|---|
| 1 year (TD) | 6.90 | 6.90 |
| 2 years (TD) | 7.00 | 7.00 |
| 3 years (TD) | 7.10 | 7.10 |
| 5 years (TD) | 7.50 | 7.50 |
// canara vs post office at a glance
Major PSU bank offering callable / non-callable FDs and special 444-day deposit windows.
- · Established 1906, HQ Bengaluru
- · FD rate band: 4.00% – 7.25%
- · Senior bonus: 50 bps
- · Min deposit: ₹1,000
Sovereign-backed savings & deposit schemes operated by the Department of Posts, with fixed quarterly notified rates.
- · Established 1854, HQ New Delhi
- · FD rate band: 6.90% – 7.50%
- · Senior bonus: 0 bps
- · Min deposit: ₹1,000
Both Canara Bank and India Post Office are scheduled commercial banks regulated by the Reserve Bank of India, so the contract terms, KYC requirements and DICGC ₹5 lakh deposit insurance are identical. The real differentiation is in the rate card and the special-tenor product mix.
The FDcalculator above lets you tune principal, tenor, and each bank's applicable rate independently — useful when the two banks lead at different slabs (a common scenario when one runs a special-tenor offer like 444 / 555 / 700 days).