india • INR

Post Office FD Calculator India 2026

Estimate India Post Time Deposit maturity with quarterly compounding using this Post Office FD Calculator India. Compare 1, 2, 3 and 5-year returns, understand 80C benefit for 5-year FD, and review post-tax outcomes.

Last revised 20 August 2026

By Team GlobalCalqulate · About our editorial standards

Deposit Details

Deposit Amount (₹)

Minimum ₹1,000. No maximum limit.

Tenure (Years)

1, 2, 3, or 5 years. 5-year qualifies for Section 80C.

Post Office FD Interest Rate (%)

Rates vary by tenure. 5-year: 7.5% (Q2 FY 2026-27, subject to revision).

Interest Payout

Quarterly payout is estimated using simple (non-compounded) interest per quarter — a close approximation of the actual payout, not an exact figure.

Tax & Profile

Tax Regime

Income Tax Slab (%)

Financial Disclaimer: This calculator provides an estimate only, based on the deposit amount, tenure, and interest rate you enter. It does not account for future Post Office Time Deposit rate revisions, the exact premature-closure penalty schedule, or joint-account variations. It is not an official India Post passbook, guaranteed return, or financial or tax advice. Verify the current rate and terms at your post office and consult a qualified financial adviser before investing. Full disclaimer.

Sources & methodology

Formula:: Compound interest computation under the Post Office (Time Deposit) Rules, using the small-savings interest rate notified quarterly by the Ministry of Finance.
Reference:: National Savings Institute, Ministry of Finance
Rates for:: 2026/27
Figures verified:: August 2026 — checked against the primary source above
Content last updated:: August 2026
Scheduled re-verification:: October 2026

Calculation type: Projection from your assumptions. Uses 2026 rates and thresholds. Figures are taken from National Savings Institute, Ministry of Finance and India Post, Department of Posts and National Savings Institute, Department of Economic Affairs, Ministry of Finance — see sources below.

Reviewed by Team GlobalCalqulate — Verifies each figure against the issuing authority's published source · Checked 9 August 2026

Your entries stay on this device. This calculator runs entirely in your browser — the figures you type are not sent to us or to anyone else. The page itself uses cookies for analytics and advertising, described in the privacy policy.

Formula & methodology

Formula used

Maturity = Principal × (1 + r/4)^(4×t)

Post Office Time Deposits compound quarterly at the tenure-specific rate notified by the Government. For the cumulative option, the maturity value applies the standard quarterly-compounding formula. For the quarterly-payout option, each quarter's interest is paid out (approximated here as simple, non-compounded interest per quarter) rather than reinvested.

Origin: Compound interest computation under the Post Office (Time Deposit) Rules, using the small-savings interest rate notified quarterly by the Ministry of Finance.

Variable definitions

Symbol	Meaning	Unit
Principal	Deposit amount. The lump sum deposited (minimum ₹1,000, no maximum).	currency
r	Notified interest rate. The Time Deposit rate for the selected tenure (1, 2, 3, or 5 years), notified quarterly.	percent
t	Tenure. Deposit term in years — 1, 2, 3, or 5.	years

Limitations

The quarterly-payout figure is a simple-interest approximation of the actual payout schedule, not an exact reproduction of India Post's payout mechanics.
Assumes the rate at deposit stays fixed for the full tenure, matching Time Deposit rules — the rate does not change mid-term even if the Government revises the notified rate later.

This page is educational. It applies published rates and thresholds to the figures you enter and shows the arithmetic behind the result. It is an estimate, not a tax determination: your actual liability depends on circumstances this calculator does not collect, and only the relevant tax authority — or an accountant who can see your full position — can confirm what you owe.

Sources & references

Post Office Time Deposit Scheme Rules — National Savings Institute, Ministry of Finance
Small Savings Interest Rates — Ministry of Finance notifications — National Savings Institute / Ministry of Finance
Post Office Time Deposit — India Post — India Post, Department of Posts
Interest rates for Small Savings Schemes for Q2 FY 2026-27 — National Savings Institute, Department of Economic Affairs, Ministry of Finance

Help & FAQs

Frequently Asked Questions

Clear answers to common questions to help you use this calculator confidently.

How does this India Post Office FD calculator work?

Tap to view the answer

It estimates the maturity amount and interest earned on a Post Office Time Deposit (TD) from the deposit amount, interest rate, tenure, and payout type, helping you plan safe savings growth in ₹ under India Post FD/TD rules. It's an estimation tool — actual maturity depends on the official Post Office rates and scheme terms.

Is a Post Office FD the same as a Time Deposit (TD)?

Tap to view the answer

Yes — a Post Office FD is officially called a Post Office Time Deposit (TD), offering fixed tenures of 1, 2, 3, or 5 years with government-backed safety and quarterly compounding.

Does the 5-year Post Office FD get a Section 80C tax benefit?

Tap to view the answer

Yes, but only the 5-year Time Deposit qualifies, within the overall Section 80C limit of ₹1.5L. The 1, 2, and 3-year tenures do not qualify. Interest on all tenures is taxable each year as per your income tax slab — this is not tax advice.

Can I close a Post Office FD early?

Tap to view the answer

Premature closure is allowed after 6 months, subject to a penalty (typically a reduction in the applicable interest rate), and early-exit flexibility is more restricted for the 5-year tax-saving deposit. Confirm the current premature-closure terms at your post office before investing.

Does the Post Office FD rate change during my tenure?

Tap to view the answer

No. The rate notified for your tenure at the time of deposit stays fixed for the entire term, even if the Government revises small-savings rates in a later quarter. Only new deposits are affected by a rate revision.

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Sources & methodology

Formula:

Compound interest computation under the Post Office (Time Deposit) Rules, using the small-savings interest rate notified quarterly by the Ministry of Finance.

Reference:

National Savings Institute, Ministry of Finance

Rates for:

2026/27

Figures verified:

August 2026 — checked against the primary source above

Content last updated:

August 2026

Scheduled re-verification:

October 2026

How to Use This Calculator

Enter Deposit Details

Input the deposit amount, tenure (1-5 years), and interest rate.

Select Interest Payout

Cumulative for reinvestment, quarterly for regular income.

Toggle Tax & 80C

5-year FD qualifies for 80C. Select your tax slab for post-tax returns.

Review Results

See maturity value, interest, and tax impact.

Understanding Your Results

Maturity Value
The total amount you receive at the end of the tenure, including principal and interest.
Section 80C Benefit
5-year Post Office FD qualifies for 80C deduction within the ₹1.5L limit.
Cumulative vs Quarterly
Cumulative reinvests interest, yielding higher returns. Quarterly provides regular income.

Key Tips

✓
5-year Post Office FD qualifies for Section 80C deduction – great for tax savings.
✓
Cumulative option gives higher returns due to compounding.
✓
Interest rates vary by tenure – 1-year: 6.9%, 2-year: 7.0%, 3-year: 7.1%, 5-year: 7.5%.
✓
Premature withdrawal is allowed with penalty.
✓
Post Office FD is government-backed – capital is 100% safe.

Understanding Post Office Time Deposit (FD)

What is Post Office FD?

Post Office Fixed Deposit, officially called Post Office Time Deposit, is a government-backed fixed-income scheme. You invest a lump sum for 1, 2, 3, or 5 years and earn fixed interest with quarterly compounding.

Interest Rates by Tenure

1-year: 6.9%, 2-year: 7.0%, 3-year: 7.1%, 5-year: 7.5% (Q2 FY 2026-27). Rates are reviewed quarterly by the Government.

Tax Benefits

Only the 5-year deposit qualifies for Section 80C deduction (up to ₹1.5L). Interest is taxable as per your income tax slab.

Premature Withdrawal

Premature withdrawal is allowed after 6 months with a penalty. For 5-year tax-saving deposits, early exit flexibility is more restricted.

Formula & methodology

Formula used

Maturity = Principal × (1 + r/4)^(4×t)

Origin: Compound interest computation under the Post Office (Time Deposit) Rules, using the small-savings interest rate notified quarterly by the Ministry of Finance.

Variable definitions

Symbol	Meaning	Unit
Principal	Deposit amount. The lump sum deposited (minimum ₹1,000, no maximum).	currency
r	Notified interest rate. The Time Deposit rate for the selected tenure (1, 2, 3, or 5 years), notified quarterly.	percent
t	Tenure. Deposit term in years — 1, 2, 3, or 5.	years

Limitations

The quarterly-payout figure is a simple-interest approximation of the actual payout schedule, not an exact reproduction of India Post's payout mechanics.
Assumes the rate at deposit stays fixed for the full tenure, matching Time Deposit rules — the rate does not change mid-term even if the Government revises the notified rate later.

Calculator inputs

Deposit Details

Tax & Profile

Your results

Sources & methodology

Formula & methodology

Formula used

Variable definitions

Limitations

Sources & references

How does this India Post Office FD calculator work?

Is a Post Office FD the same as a Time Deposit (TD)?

Does the 5-year Post Office FD get a Section 80C tax benefit?

Can I close a Post Office FD early?

Does the Post Office FD rate change during my tenure?

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Calculator inputs

Deposit Details

Tax & Profile

Your results

Sources & methodology

How to Use This Calculator

Post Office FD Example: ₹1L for 5 Years

Understanding Your Results

Key Tips

Understanding Post Office Time Deposit (FD)

What is Post Office FD?

Interest Rates by Tenure

Tax Benefits

Premature Withdrawal

Formula & methodology

Formula used

Variable definitions

Limitations

Sources & references

How to Use This Calculator

Post Office FD Example: ₹1L for 5 Years

Understanding Your Results

Key Tips

Understanding Post Office Time Deposit (FD)

What is Post Office FD?

Interest Rates by Tenure

Tax Benefits

Premature Withdrawal