Post Office FD Calculator
Calculate Post Office Time Deposit maturity amount at latest rates.
Tenure (Official POTD rate)
Current rate: 7.5% p.a.
Maturity Amount
₹1.45 L
At 7.5% p.a. compounded quarterly
Deposit
₹1.00 L
Interest
₹44.99 K
Maturity
₹1.45 L
Post Office FD Calculator visual insights
Maturity value
₹7.05 L
Interest Earned
₹2.05 L
How to Use This Calculator
Enter Amount
Set your loan amount or investment using the slider or input field.
Set Rate & Tenure
Adjust the interest rate and time period to match your scenario.
Get Results
See your EMI, total interest, and full payment breakdown instantly.
Share & Plan
Share the result link or download the amortization schedule as PDF.
About Post Office FD Calculator
Post Office FD Calculator helps you plan savings, deposits, maturity value, emergency liquidity, and interest income using India-focused assumptions and INR formatting. Calculate Post Office Time Deposit maturity amount at latest rates.
This tool is useful for Indian savers comparing bank deposits, recurring deposits, post-office deposits, and liquid savings needs. It is designed for quick planning before comparing bank offers, investment options, tax choices, or scheme rules with a qualified professional.
The calculations are tailored for users in India and use Indian number formatting, rupee values, and locally relevant finance terms wherever applicable.
Results are estimates for education and planning. Final decisions should use official documents, lender statements, scheme rules, tax notices, or advice from a qualified professional.
Frequently Asked Questions
What are the current Post Office FD rates?
Post Office Time Deposit rates for Q1 FY 2026-27: 1-year 6.9%, 2-year 7.0%, 3-year 7.1%, 5-year 7.5% p.a. Interest is compounded quarterly and paid annually. Rates are set by the Ministry of Finance.
Is Post Office FD safe?
Yes, Post Office FDs are sovereign-guaranteed by the Government of India — safer than bank FDs (which are insured only up to ₹5 lakh under DICGC). There is no upper limit on investment.
Does Post Office FD qualify for 80C deduction?
Only the 5-year Post Office Time Deposit qualifies for Section 80C deduction up to ₹1.5 lakh per FY. The 1-year, 2-year, and 3-year TDs do not offer this benefit.
Is Post Office FD interest taxable?
Yes, Post Office FD interest is fully taxable at your slab rate as "income from other sources". Unlike bank FDs, TDS is NOT deducted by the Post Office, but you must declare and pay tax annually in your ITR.
Can I withdraw Post Office FD before maturity?
Yes, but with penalties. Withdrawal before 6 months is not allowed. From 6 months to 1 year, only Post Office Savings Account rate applies. After 1 year, you get 2% less than the applicable TD rate for the completed period.
Related Calculators
Methodology & Formulas
All formulas used here comply with RBI guidelines and standard Indian financial conventions. Calculators are updated for FY 2026–27.
Last updated: April 2026