Post Office vs Union Bank FD
Side-by-side comparison of India Post Office and Union Bank of India 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.
Post Office vs Union Bank — FD side-by-side
rates as on 2025-09Post 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 |
Union Bank FD Interest Rates
last published — 2025-09| Tenor | General (% p.a.) | Senior (% p.a.) |
|---|---|---|
| 7 – 45 days | 3.50 | 4.00 |
| 46 – 179 days | 4.50 | 5.00 |
| 180 days – 1 year | 6.35 | 6.85 |
| 1 year – 2 years | 6.80 | 7.30 |
| 2 – 3 years | 6.60 | 7.10 |
| 3 – 5 years | 6.50 | 7.00 |
| 5 – 10 years | 6.50 | 7.00 |
// post office vs union bank at a glance
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
Public sector bank with consistent 1-3 year rates and accessible RD windows starting from ₹100 per month.
- · Established 1919, HQ Mumbai
- · FD rate band: 3.50% – 6.80%
- · Senior bonus: 50 bps
- · Min deposit: ₹1,000
Both India Post Office and Union Bank of India 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).