80C note: Only the 5-year Time Deposit can qualify for the Section 80C deduction under the Old Tax Regime.
Invested Capital
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Interest Earned
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Quick answer: Estimate Post Office Time Deposit maturity and interest from your deposit amount and selected tenure.
About the Post Office Time Deposit Calculator — Retirement & Govt Schemes Guide
This free Post Office Time Deposit Calculator is designed specifically for Indian users, using documented Post Office / small-savings rules and the rate shown on the page; applicable rules are reviewed for the current period; tax-year-specific rules are identified on the page. No sign-up, no download, and no charge — results are instant and displayed in Indian number format (lakhs and crores).
How to Use This Calculator
Calculator inputs are processed in your browser; optional Save Setup uses browser local storage.
Formula and Calculation Method
The Post Office Time Deposit Calculator uses the documented calculation method described on this page. Where rules, rates or thresholds can change, review the cited source and effective date shown here before relying on the result for an important decision.
Understanding Your Results
The calculator models the rate and compounding assumptions shown on the page. Scheme rates and rules are time-sensitive, so check the latest India Post or government notice.
Why Use CalcuTools India
CalcuTools India is an independent, free calculator platform covering personal finance, income tax, salary, loans, investments, retirement planning, and health, with formulas and applicable rules checked against the stated methodology or primary/reference sources where applicable. We are not affiliated with any bank, insurance company, NBFC, or financial products distributor. Our calculators are free to use. Some pages may contain clearly labelled partner or affiliate offers; these do not affect the calculation result.
The Post Office Time Deposit (National Savings Time Deposit Account) is the government's direct counterpart to standard commercial bank Fixed Deposits. It is a Post Office small-savings time-deposit product with notified terms and rates.
The Accounting Mechanics
A unique quirk of the POTD is how its interest is calculated. Like bank FDs, the interest is calculated quarterly. However, unlike bank FDs where the interest compounds into the principal until maturity, the POTD is structured so that interest is entirely payable annually to your linked post office savings account. Our calculator projects the absolute yield based on this specific structural premise.
Section 80C Dynamics
If you execute a 1-year, 2-year, or 3-year POTD, you receive zero income tax exemptions. However, the 5-Year Time Deposit officially qualifies for the ₹1.5 Lakh tax deduction envelope under Section 80C of the Old Tax Regime. The interest disbursed annually remains fully taxable across all tenures.
🔄 Last Updated: September 2026 · Rule year is shown where relevant; verify source-linked rules before filing or payment
📅 Last Updated: September 2026 · FY 2026-27✅ Method: Documented formula/method; page sources shown where applicable⚠️ Disclaimer: Results are indicative only · Not financial advice📋 How we verify · Editorial policy
ℹ️ For informational use only. Results are estimates based on inputs provided. Not financial, tax, or investment advice. Consult a qualified professional for personalised guidance. Rates are indicative and may vary. Read full disclaimer.
Post Office Time Deposit results depend on the selected tenure and applicable rate. Use this calculator to compare maturity under the displayed assumptions. Government savings rates can change, so verify the applicable rate before investing.
This free Indian calculator helps you compute an estimate for potd — reviewed for the applicable current period. Calculations use documented formulas and source notes shown on this page where applicable.
How to Use This Calculator
Enter your values in the fields above and click Calculate. Results update instantly. You can adjust any input and recalculate as many times as needed — completely free with no sign-up required.
Accuracy and Verification
Our potd formulas are sourced from official Indian regulatory bodies including the Income Tax Department, EPFO, RBI, Ministry of Finance, and WHO where applicable. We verify results against official calculators before publishing and update with every budget and policy change.
Disclaimer
This calculator uses the rate and compounding assumptions shown on the page. Scheme rates and rules can change, so check the latest official notice.
CalcuTools India · Free calculator platform · About us · How we verify · Last Updated September 2026 · Applicable rule year shown on this page
Post Office Time Deposit — Complete Guide
Post Office Time Deposits (POTD) are fixed deposits offered by India Post, fully backed by the Government of India. They offer competitive rates, quarterly compounding, and are a fixed-income savings option; suitability depends on the investor’s goals, liquidity needs and the applicable rules.
Current POTD Rates — July–September 2026 (Q2 FY 2026-27)
1-year TD: 6.9% per annum. 2-year TD: 7.0%. 3-year TD: 7.1%. 5-year TD: 7.5%. Interest is compounded quarterly for 2-year and above tenures. The 5-year POTD qualifies for Section 80C deduction up to Rs 1.5 lakh.
POTD vs Bank FD
POTD rates depend on the notified Post Office time-deposit terms and period. Bank FD rates are provider-specific, and eligible bank deposits can have DICGC coverage within the applicable limit. Compare the rate, tenure, tax treatment and access conditions rather than relying on a single safety or return label.
How to Open POTD
Open at any Post Office branch with Aadhaar and PAN. Minimum deposit: Rs 1,000. No maximum limit. Can be held single or jointly. Nomination facility available. Premature closure allowed after 6 months with reduced interest penalty.
Rate discipline: Post Office small-savings rates are periodically notified by the Government. Check the current notification before acting on a rate-sensitive result.