Post Office FD Calculator

As of 2026, Post Office Time Deposits (the official name for what's commonly called a Post Office FD) offer between 6.90% for a 1-year term and 7.50% for a 5-year term, compounded quarterly and paid out annually. Only the 5-year Time Deposit qualifies for tax benefits under Section 80C \u2014 shorter tenures don't carry that benefit.

Set the compounding frequency above to \"Quarterly\" to match how Post Office Time Deposits actually work, enter the rate for your chosen tenure, and the calculator will show your maturity value along with total interest earned. Since Post Office FD rates are revised quarterly by the Ministry of Finance, double-check the current published rate for your exact tenure before finalizing your investment.

A ₹2,00,000 Post Office Time Deposit at 7.5% for 5 years, compounded quarterly, matures to approximately ₹2,94,290 — about ₹94,290 in interest, and since it's a 5-year term, it also qualifies for a Section 80C deduction that a 1- or 2-year Post Office FD would not.

Only the 5-year Post Office Time Deposit carries a tax deduction under Section 80C — shorter terms (1, 2, or 3 years) don't, even though the underlying compound interest math is identical. That single rule makes the 5-year term meaningfully more attractive for tax-conscious savers than the headline rate alone suggests.