Post Office vs. Bank FD: Where is Your Capital Safer? Key Differences Revealed

• Post Office schemes offer direct government guarantee, making principal completely safe for risk-averse investors.
• Bank FDs provide insurance protection up to Rs 5 lakh per depositor via DICGC, offering flexibility in tenure and online management.
• Post Office schemes like PPF can offer better long-term returns, while Bank FDs are suitable for short-term needs and online convenience.
• Decision depends on investor's needs: long-term security favors Post Office, while flexibility and online access favor Bank FDs.
• Many investors combine both options to balance risk and maximize benefits.