Which is better for long-term investors post office schemes or bank FD?

Post office savings schemes are currently offering competitive interest rates compared with bank FDs. For October-December 2026, the National Savings Certificate provides 7.7%, Kisan Vikas Patra offers 7.5% and the five-year Post Office Time Deposit offers 6.9-7.5%, while most banks are offering 6-6.5% on FDs. Bank FDs, however, offer greater choice of tenure and flexibility.