Calculate maturity for Post Office Time Deposit Account
Post Office Time Deposit: 6.9% (1 year), 7.0% (2 years), 7.1% (3 years), 7.5% (5 years), compounded quarterly. Rate for October–December 2026, notified on 30 September 2026; the government reviews it every quarter.
| Period | Rate | Maturity | Interest |
|---|---|---|---|
| 1 year | 6.9% | ₹53,540 | ₹3,540 |
| 2 years | 7.0% | ₹57,444 | ₹7,444 |
| 3 years | 7.1% | ₹61,754 | ₹11,754 |
| 5 years | 7.5% | ₹72,497 | ₹22,497 |
Runs entirely in your browser. Nothing you type or upload is sent to us or stored.
Results are estimates, not financial advice. Rates, charges and rules change, so confirm with your bank, post office or a financial adviser before you decide. Terms of use
How to Use
- Enter the investment amount (at least ₹1,000). Type it in or drag the slider.
- Choose the deposit period: 1, 2, 3 or 5 years. Each button shows the rate for that period.
- The maturity amount and interest earned (compounded quarterly) change as soon as you change anything. The table below compares all four periods for the same amount. Tap pdf for a printable report or share to send the numbers.
Post Office Time Deposit account
The Post Office Time Deposit (POTD) is India Post's version of a bank FD. It's backed by the government, which makes it safer than even the largest private banks. With more than 1.5 lakh post offices across India, it's especially easy to open in rural and semi-urban areas. This post office time deposit calculator shows what your deposit will be worth at maturity.
Current interest rates (October–December 2026)
| Tenure | Interest rate | Tax benefit |
|---|---|---|
| 1 Year | 6.9% p.a. | None |
| 2 Years | 7.0% p.a. | None |
| 3 Years | 7.1% p.a. | None |
| 5 Years | 7.5% p.a. | Section 80C |
Interest is compounded every quarter and paid out once a year. The minimum deposit is ₹1,000, in multiples of ₹100, with no upper limit.
POTD vs bank FD
- TDS works the same way for both: 10% is deducted once the year's interest goes above ₹50,000 (₹1 lakh for senior citizens), the limits since April 2025.
- The 5-year POTD qualifies for 80C. Among bank FDs, only the 5-year tax-saving FD does.
- Premature closure is allowed after 6 months. Close before 1 year and you get the post office savings account rate. Close after that and the completed years earn 2% less than the TD rate for that period. A 5-year TD opened on or after 10 November 2023 can't be closed before 4 years.