Post Office Time Deposit Calculator
PO time deposits (1–5 years) — annual-compounding maturity, the 5-year 80C variant and PO vs bank FD.
Formula
Disclaimer: Interest rates shown are recent indicative values — banks revise FD cards and the government notifies small-savings rates quarterly. Verify the current rate before investing. Not financial advice.
Disclaimer: This tool is for general informational and estimation purposes only and is not professional financial, tax, accounting or legal advice. All figures are estimates — verify with a qualified professional before making decisions. Read the full disclaimer.
Need post office time deposit calculator results fast? Skip the spreadsheet and get a clear, defensible answer in one step — free, private and instant, recalculating live as you change any input.
About Post Office Time Deposit Calculator
Post-office time deposits are the sovereign twin of bank FDs: four tenures (1, 2, 3, 5 years), each with its own notified rate — and the 5-year TD (7.5%-class) carries Section 80C eligibility, making it a direct, usually superior competitor to banks' tax-saver FDs (higher rate, government guarantee versus DICGC's ₹5 lakh ceiling). The default ₹3 lakh in the 5-year TD matures to about ₹4.31 lakh. A convention difference worth knowing: PO TDs compound ANNUALLY (the math above), while bank FDs compound quarterly — so a 7.5% PO TD and a 7.4% bank FD are closer than the headlines suggest (effective ~7.5% vs ~7.61%). Compare on effective yield, and remember the PO's rates frequently lead banks at the 5-year point anyway, particularly versus large banks' tax-saver shelves. Operational rules: interest is calculated quarterly but CREDITED annually (taxable at slab; no TDS at the post office — self-declare), premature withdrawal opens after 6 months (savings-rate haircut before a year; tenure-rate recalculations after), and deposits can be pledged for loans. For ladder builders (see the FD-laddering calculator), mixing PO TDs with bank FDs adds sovereign-guarantee rungs and decouples your ladder from any single bank's rate cycle.
How to use Post Office Time Deposit Calculator
- 1Enter Deposit, Tenure, TD rate for the tenure (%) into the Post Office Time Deposit Calculator.
- 2The result is computed automatically using Maturity = P × (1 + r)^t — PO TDs compound ANNUALLY (interest calculated quarterly, credited yearly) — there is no button to press; it updates live as you type.
- 3Change any input to model a different scenario, then use “Copy result link” to share the exact numbers.
Why use Post Office Time Deposit Calculator?
- ✓Computes post office time deposit calculator instantly with the correct formula — no spreadsheet needed
- ✓100% free and unlimited, with no sign-up, login or paywall
- ✓Runs entirely in your browser, so the figures you enter are never uploaded or stored
- ✓Shows the formula, a live worked example and references so you can defend the number
Frequently asked questions
5-saal PO TD vs bank tax-saver FD — kaun jeetta hai?+
Lagbhag hamesha PO TD: rate zyada (7.5% vs ~6.9-7%), guarantee sovereign (bank me DICGC ₹5 lakh tak), 80C dono me. Bank sirf convenience (netbanking) aur senior-premium me aage ho sakta hai. Old-regime 80C ka conservative slot bharna ho to PO 5-year TD pehla candidate hai — NSC ke saath compare karke (dono is site par).
PO TD ka interest har saal milta hai ya maturity par?+
Annually CREDIT hota hai — chaaho to nikaal lo (income ke liye), chaaho to chhod do (compound karega). Tax dono case me us saal accrue hota hai. TDS post office nahi kaat'ta, isliye advance-tax/return me khud dikhana zaroori hai — yeh bhool common audit-flag banti hai.
Beech me todna pade to kya milta hai?+
6 mahine se pehle kuch nahi. 6-12 mahine me sirf savings-account rate (~4%). 1 saal ke baad: jo period actually pura hua uske TD rate se 2% kam par recalculation (tenure-applicable rules ke saath). Bank FD ke 0.5-1% penalty se yeh thoda sakht hai — isliye PO TD wahi paisa rakhein jo tenure nibha sake.
Kya NRI post office TD khol sakte hain?+
Nahi — post-office small-savings schemes (TD, NSC, PPF-new, SSY waghaira) NRIs ke liye available nahi hain; resident rehte hue khole account NRI hone par maturity tak chal sakte hain (bina extension). NRI fixed-income ke liye NRE/NRO/FCNR FDs ka rasta hai — hamara NRE FD calculator dekh lein.
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