The Post Office Time Deposit (TD) scheme offers annual interest rates ranging from 6.9% to 7.5% across four tenures. A ₹1 lakh deposit will grow to ₹1,07,081 in one year, ₹1,14,888 in two years and ₹1,23,508 in three years, according to Livemint. Over five years, it will mature to ₹1,44,995, it added.