Post Office Time Deposit accounts are short-term investment avenues offering guaranteed fixed income. Account holders can choose a lock-in period of one, two, three, and five years, offering 6.9, 7.0, 7.1, and 7.5 per cent, respectively, as per their preference. The interest is paid annually but calculated quarterly. The minimum investment is Rs 1,000; after that, in multiples of Rs 100. The account has no defined maximum limit; investors can invest as per their goals.