New Delhi, Sept. 2 -- A Post Office Time Deposit (TD), also known as the National Savings Time Deposit or Post Office FD, is a government-backed small savings scheme in which funds are locked for a fixed term of 1, 2, 3, or 5 years.

Furthermore, interest is calculated quarterly and credited annually. The eventual rate depends on the tenure that is chosen by the individual investor. Now, for individuals who do not intend to withdraw their money when it matures, a natural question arises: Can the deposit simply continue?

For September 2026, the applicable National Savings Time Deposit rates are:

Note: Rates as of Sep 2026, taken from the official website of India Post*

Now, let us discuss the possibility of an extension, whether it is a...