Post Office Time Deposit
Calculate maturity for Post Office Time Deposit Account
TD Details
Interest is compounded quarterly. Rate auto-fills based on period.
Enter details and click Calculate
Maturity Amount
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Investment
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Interest Earned
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How to Use
- Enter the Deposit Amount.
- Select the Tenure — 1, 2, 3, or 5 years (each has a different rate).
- The interest rate auto-fills based on tenure — adjust if needed.
- Click Calculate — maturity amount and total interest are shown.
Post Office Time Deposit Account
The Post Office Time Deposit (POTD) is equivalent to a bank FD but offered by India Post. It is government-backed, making it safer than even the largest private banks. With ~1.55 lakh post offices across India, it is particularly accessible in rural and semi-urban areas.
Current Interest Rates (2025)
| 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 quarterly and paid annually.
POTD vs Bank FD
- POTD has no TDS (unlike bank FDs where TDS applies above ₹40,000 interest).
- 5-year POTD qualifies for 80C; no equivalent for bank FDs beyond 5-year tax-saving FD.
- Premature closure: allowed after 6 months (post office charges 1% penalty after 1 year).