IPPB FD Rates 2026: Fixed Deposit Interest Rates
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Quick Answer
India Post Payments Bank is a payments bank and does not offer traditional fixed deposits. Customers can park funds in savings accounts or partner bank FDs. Check partner bank offerings for FD rates.
IPPB FD Rates — Rates at a Glance
| Fixed Deposits | Not available(Payments bank — no FD product) |
| Savings Account | 2% p.a. |
Rates are indicative as of 2026-04-07. Verify with India Post Payments Bank official website before investing.
Key Things to Know
- 1India Post Payments Bank is a payments bank regulated by RBI
- 2Payments banks cannot offer loans or fixed deposits directly
- 3Maximum deposit limit of ₹2 lakh per customer
- 4Partner with scheduled commercial banks for FD and loan products
Calculate Your Returns
Principal
₹1,00,000
Interest Earned
₹23,144
Maturity Amount
₹1,23,144
Calculated with quarterly compounding (standard for most Indian banks). Actual maturity may vary by bank.
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Frequently Asked Questions
Does India Post Payments Bank offer fixed deposits?
No. India Post Payments Bank is a payments bank and cannot offer fixed deposits or loans as per RBI guidelines for payments banks.
What is the maximum deposit limit in India Post Payments Bank?
Payments banks have a maximum deposit limit of ₹2 lakh per customer per account as per RBI regulations.
Where can I invest in FDs if I use IPPB?
You can invest through partner bank FDs or use the IPPB app to access partner offerings. Many payments banks tie up with scheduled commercial banks for this purpose.