Investment₹0Principal invested
Post Office TD Calculator — Time Deposit Maturity
Calculate time deposit returns for 1 to 5 year post office tenures
Browse more in Post Office schemes
Post Office TD Calculator
Rates: Q1 FY 2025-26·Updated 1 Apr 2025·Verify on India Post
Official indicative rate: 7.5% p.a. (quarterly compounding)
%
Pre-filled with the notified India Post rate. Adjust to model a different rate.
Max ₹10 lakh
₹
One LakhFixed tenures follow India Post scheme rules and cannot be changed in this calculator. Verify onindiapost.gov.in.
Adjust the inputs above to see your results here.
Interest earned₹0Returns generated
Estimated
Maturity value₹0Estimated final valueInvestment Summary
Updated instantly as you change values.
Investment Breakdown
Investment
₹00%
Interest earned
₹00%
Key Insights
- Government-backed India Post small savings scheme
- Verify latest rates on indiapost.gov.in
Year-wise breakdown
| Year | Principal (A) | Interest (B) | Total (A + B) | Balance |
|---|
About this calculator
In-depth guide for the Post Office TD calculator — formulas, examples, and official sources for India.
Introduction
Post office Time Deposit is a fixed deposit at India Post with 1, 2, 3, and 5 year options. Interest compounds quarterly. It suits lump-sum savers who want sovereign safety with flexible tenure choices.
What this calculator does
Time Deposit maturity for 1, 2, 3 and 5 year post office TD accounts. Longer tenures generally offer higher rates. Select your tenure in the calculator to apply the matching indicative rate for FY 2025-26.
Who should use this calculator
India Post account holders and savers comparing small savings schemes. Use this tool if you want a clear estimate before speaking with a bank, post office branch, or tax advisor.
- ₹1,00,000 for 5 years at 7.5% → maturity ≈ ₹1,44,995
Formula used
Formula
M = P × (1 + r/400)^(4 × t)Variable explanation
- Input: Deposit amount (₹)
- Lump sum TD amount.
- Input: Tenure (years)
- 1, 2, 3, or 5 years.
- Input: Interest rate (% p.a.)
- Rate for chosen tenure.
- Output: Maturity amount (₹)
- Principal plus interest.
Example calculation
- Step 1
Enter deposit.
- Step 2
Select tenure and rate.
- Final answer
Read maturity value.
How to use
Locate the calculator form at the top of this page.
Enter your values using the units shown (₹, %, years, or as labelled).
Review the instant result, charts, or schedules in the output panel.
Adjust inputs to compare scenarios before making a financial decision.
Benefits
Free to use with instant browser-based results — no signup.
Built for Indian rates, tax years, and units.
Includes worked examples and FAQs on every page.
Limitations
Quarterly compounding
Premature closure reduces applicable interest.
Tips
5-year TD rate is often highest among PO TD options.
No standard 80C unless tax-saver variant — verify product type.
Common mistakes
Confusing TD with NSC — NSC has 80C; standard TD does not.
Frequently asked questions
Are these the official India Post rates?
India Post revises small savings rates quarterly. Verify before investing. This calculator is for planning only.
What TD tenures are available?
1, 2, 3, and 5 years at post office. Rates differ by tenure.
Is post office TD interest taxable?
Yes. Interest is taxable per your slab.
TD vs bank FD — which is safer?
Both are low risk. Post office TD is sovereign-backed; bank FD up to ₹5L insured under DICGC.
Can I get 80C on post office TD?
Standard TD does not qualify. Only specific 5-year tax-saver products may — confirm at branch.
How is interest compounded?
Quarterly compounding on post office Time Deposit accounts.
Related guides
Government references
- India Post — indiapost.gov.in (small savings rates)
- India Post — (small savings rates)indiapost.gov.in
Conclusion
Compare post office TD tenures before locking a lump sum at your branch.