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Post Office FD Calculator

See what your Post Office Time Deposit will grow to. Adjust the investment amount, interest rate and tenure to view your maturity amount and interest earned, compounded quarterly.

Calculate your Post Office TD returns
Investment amount
₹
₹50K₹1Cr
Interest rate (yearly %)
1%10%
Investment tenure
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1Y7Y
MATURITY AMOUNT
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Invested amount{{ investedStr }}
Interest earned{{ interestStr }}
Maturity value{{ maturityStr }}
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UNDERSTAND FIXED DEPOSITS

What is a Post Office Time Deposit?

A Post Office Time Deposit (TD) is a government-backed fixed deposit offered by India Post, available for tenures of 1, 2, 3 and 5 years. Interest is calculated quarterly and paid annually, with rates set by the government each quarter. The 5-year TD also qualifies for tax benefits under Section 80C. At maturity you receive your principal plus the accumulated interest.

How FD interest is calculated
A = P × (1 + R÷n)n×t
A = maturity amount  ·  P = principal  ·  R = annual rate  ·  n = compounding periods/yr (4)  ·  t = years

What affects your FD returns?

Investment amount

A larger principal earns proportionally more interest over the same period.

Interest rate

A higher rate compounds faster, growing your maturity value significantly.

Tenure

A longer tenure gives compounding more time to work in your favour.

Tips to grow your FD

Compare rates across providers
Even a small rate difference compounds into a meaningful gap over a long tenure.
Choose cumulative payout
Reinvesting interest (cumulative FD) lets it compound instead of being paid out.
Use the senior-citizen rate
Most providers offer an extra 0.25–0.50% for senior citizens.

Frequently asked questions

Most fixed deposits compound interest quarterly — this calculator uses quarterly compounding. The interest earned each quarter is added to your balance and itself earns interest for the rest of the tenure.

Yes. Interest earned on a fixed deposit is added to your income and taxed at your slab rate. Banks may also deduct TDS if your interest crosses the prescribed threshold in a year.

Most FDs allow premature withdrawal, but usually with a small penalty and a slightly lower interest rate. Some tax-saving FDs have a mandatory lock-in and cannot be broken early.

A cumulative FD reinvests the interest and pays everything at maturity (best for growth). A non-cumulative FD pays interest out periodically — monthly or quarterly — which suits those needing regular income.

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