The National Savings Time Deposit Account (TD), also known as the Post Office Fixed Deposit (FD), is considered a secure savings scheme offered by India Post. It requires an initial investment of Rs. 1,000 and has no upper limit, with returns guaranteed for terms of 1, 2, 3 and 5 years. Due to its dependability, accessibility and provision of tax incentives under Section 80C of the Income Tax Act, this program is highly preferred, especially in rural regions.