- Tax Saving FDs come with a mandatory 5-year lock-in period.
- Investments up to ₹1.5 Lakh are deductible under Section 80C.
- Senior Citizens enjoy an extra 0.50% to 0.75% interest rate.
- Interest earned is taxable as per your income slab.
2026 ki shuruaat ho chuki hai, aur agar aap apna tax save karne ke liye safe investment options dhund rahe hain, toh Tax Saving Fixed Deposits (FDs) ek evergreen choice hain. Market mein Repo Rate changes ke baad, banks ne apni FD interest rates ko calibrate kiya hai.
Agar aapne abhi tak financial planning shuru nahi ki hai, toh yeh perfect time hai. Aap hamari guide Honeymoon Packages Jan 2026 dekh kar trip plan karein ya na karein, tax planning miss karna bilkul afford nahi kar sakte!
## Tax Saving FD Kya Hai? (Quick Overview)Tax Saving FD ek special type ki fixed deposit hai jo Income Tax Act ke Section 80C ke under ₹1.5 lakh tak ki deduction deti hai. Iska sabse bada feature iska 5 saal ka lock-in period hai. Yani, aap 5 saal se pehle paise nahi nikaal sakte.
## Latest Tax Saving FD Rates 2026Niche di gayi table mein 2026 ke latest rates (approximate) bataye gaye hain. Tax saving ke saath-saath high returns milna kisi Paisa Vasool Deal se kam nahi hai.
| Bank Name | General Public (p.a.) | Senior Citizens (p.a.) | Min Deposit |
|---|---|---|---|
| SBI | 6.00% – 6.60% | 6.75% – 7.10% | ₹1,000 |
| HDFC Bank | 6.40% – 6.60% | 6.90% – 7.10% | ₹100 |
| IndusInd Bank | 6.65% – 7.25% | 7.15% – 7.75% | ₹10,000 |
| ICICI Bank | 6.60% | 7.10% | ₹10,000 |
SBI ka ‘Tax Savings Scheme 2006’ kaafi popular hai. Isme aap minimum ₹1,000 se start kar sakte hain. Currently, SBI high-interest schemes jaise ‘Amrit Vrishti’ bhi offer kar raha hai, par tax benefit sirf 5-year tenure wale deposits par hi milta hai.
SBI Official Site Par Check Karein ### 2. IndusInd Bank Tax Saver FDPrivate banks mein IndusInd Bank kaafi competitive rates de raha hai. Unka 5-year tax saver rate lagbhag 6.65% se 7.25% ke beech fluctuate kar raha hai, jo ki big banks se thoda behtar hai.
Check IndusInd FD Rates ## Important Tips for 2026 InvestorsInvest karne se pehle ye baatein dhyan mein rakhein:
- TDS Matters: Agar aapka interest saal ka ₹40,000 (Senior Citizens ke liye ₹50,000) cross karta hai, toh bank 10% TDS kaatega. Isse bachne ke liye Form 15G ya 15H submit karein.
- No Loan Facility: Tax Saving FD ke against aap loan nahi le sakte.
- Digital vs Offline: Net banking ke zariye FD khulwana zyada fast aur paperless hota hai.
Investment toh zaroori hai hi, par sehat ka dhyan rakhna bhi utna hi zaroori hai. Check karein Best Pure Copper Water Bottles 2026 jo aapki lifestyle mein value add karengi.
Frequently Asked Questions
Kya main Tax Saving FD se 5 saal se pehle paise nikaal sakta hoon?
Nahi, isme 5 saal ka mandatory lock-in period hota hai. Aap premature withdrawal nahi kar sakte.
Senior Citizens ko kitna extra interest milta hai?
Zyadatar banks Senior Citizens ko 0.50% tak ka additional interest rate dete hain.
Maximum kitna amount invest kar sakte hain?
Section 80C ke under max deduction ₹1.5 lakh milti hai, par aap invest kitna bhi kar sakte hain (subject to bank limits).
