If you’re looking for a safe and guaranteed investment, the Post Office Fixed Deposit (Time Deposit) scheme is one of the best options in India. It offers steady returns, government backing, and flexible tenure options.
Our Post Office FD Calculator helps you quickly find out how much your investment will grow over time — without doing any manual math.
💡 What Is a Post Office Fixed Deposit (Time Deposit)?
A Post Office Fixed Deposit (also called a Time Deposit) is a savings scheme offered by India Post. You invest a fixed amount for a fixed period (1, 2, 3, or 5 years) and earn interest every quarter.
The Government of India fully supports it and is ideal for individuals seeking low-risk, steady returns.
🧮 How to Use the Post Office FD Calculator
Using the calculator is simple:
Post Office FD Calculator
| Year | Opening | Interest | Closing |
|---|---|---|---|
| No calculation yet | |||
- Enter your deposit amount (e.g., ₹1,00,000).
- Choose the FD tenure (1, 2, 3, or 5 years).
- Select the current Post Office interest rate.
- Click “Calculate” to get your maturity amount and total interest.
�� The calculator instantly shows:
- Total Interest Earned
- Maturity Amount
- Effective Annual Return
📊 Current Post Office FD Interest Rates (As of October 2025)
| Tenure | Interest Rate (p.a.) | Compounding | Maturity (₹1,00,000) |
|---|---|---|---|
| 1 Year | 6.9% | Quarterly | ₹1,07,080 |
| 2 Years | 7.0% | Quarterly | ₹1,14,500 |
| 3 Years | 7.1% | Quarterly | ₹1,23,000 |
| 5 Years | 7.5% | Quarterly | ₹1,43,300 |
(Rates are as per India Post data and may change periodically.)
🧾 Formula Used in the Calculator
The formula used for calculating compound interest is:
A=P×(1+r4×100)4×nA = P \times (1 + \frac{r}{4 \times 100})^{4 \times n}A=P×(1+4×100r)4×nWhere:
- A = Maturity Amount
- P = Principal (Amount Invested)
- r = Annual Interest Rate
- n = Number of Years
The calculator automatically applies this formula for accurate results.
🪙 Key Benefits of Post Office FD
- 100% Government-backed (zero risk)
- Better returns than a normal savings account
- Option for a 1 to 5-year lock-in period
- 5-year FD eligible for Section 80C tax benefits
- Interest can be taken quarterly or reinvested
🔄 Comparison with Other FD Options
| Scheme | 1-Year Rate | 5-Year Rate | Risk Level |
|---|---|---|---|
| Post Office FD | 6.9% | 7.5% | No Risk |
| SBI FD | 6.7% | 7.1% | Low |
| HDFC FD | 6.6% | 7.2% | Low |
| Corporate FD | 7.5%+ | 8%+ | Moderate |
❓ FAQs – Post Office FD Calculator
1. What is the minimum deposit amount?
₹1,000, and there’s no maximum limit.
2. Can I withdraw before maturity?
Yes, but only after 6 months, and a penalty applies.
3. Is the interest taxable?
Yes, interest earned from an FD is taxable according to your income slab.
4. Can I get tax benefits?
Yes, only for the 5-year FD under Section 80C.
5. Can NRIs open Post Office FDs?
No, this scheme is only for resident Indians.
🏁 Conclusion
The Post Office FD Calculator is a straightforward financial tool to determine how much you can earn before investing. With government assurance, decent returns, and easy accessibility, it’s one of the most trusted savings options in India.
Try the calculator now and plan your next safe investment smartly.
You can also use our PPF Calculator to compare returns.