About the Potd — Finance & Investment Guide

This free Potd is designed specifically for Indian users, using official formulas verified against government and authoritative sources. All calculations are updated for FY 2025-26. 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

Enter your values in the input fields above and click the Calculate button. Results update immediately. You can modify any input and recalculate as many times as needed. All inputs are processed locally in your browser — your financial data is never transmitted to any server or stored anywhere.

Formula and Calculation Method

The Potd uses standard formulas used by Indian financial institutions, government departments, and regulatory bodies including the Reserve Bank of India (RBI), Income Tax Department, EPFO, and Ministry of Finance. Every formula is cross-verified against official calculators before publication. We update formulas with every budget announcement and policy change to ensure accuracy.

Understanding Your Results

Results from this calculator are indicative estimates based on the inputs you provide. Actual results may vary depending on changes in interest rates, tax laws, market conditions, and individual circumstances. For significant financial decisions — home purchase, retirement planning, tax filing — always consult a qualified SEBI-registered financial advisor or Chartered Accountant who can account for your complete financial situation.

Why Use CalcuTools India

CalcuTools India is an independent, free calculator platform with 200+ calculators covering personal finance, income tax, salary, loans, investments, retirement planning, and health. We are not affiliated with any bank, insurance company, NBFC, or financial products distributor. Our calculators are free from sales pressure or product promotion — our only interest is helping you make informed financial decisions with accurate tools.

CalcuTools India · 200+ Free Indian Calculators · Updated July 2026 · FY 2025-26 · About Us · How We Verify · Editorial Policy · Disclaimer

🏛️ Post Office Time Deposit (POTD) Calculator

Estimate sovereign-backed guaranteed maturity structures.

✅ Last verified: June 2026 · Source: Ministry of Finance

Lumpsum Deposit Amount (₹)

₹

Select Tenure (Locks Current Yield)

Annual Interest Rate (Auto-Updated)

%

Total Maturity Value

₹0

Includes Section 80C Tax Exemption on Principal!

Invested Capital

₹0

Interest Earned

₹0

How It Works: National Savings Time Deposit

The Post Office Time Deposit (National Savings Time Deposit Account) is the government's direct counterpart to standard commercial bank Fixed Deposits. It provides uncompromised sovereign capital protection.

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: July 2026 · FY 2025-26 rates applied

📅 Last Updated: July 2026 · FY 2025-26 ✅ Verified: Against official government sources ⚠️ 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.

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About the Potd

This free Indian calculator helps you quickly compute accurate results for potd — updated for FY 2025-26. All calculations use official formulas verified against government and authoritative sources.

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

Results from this calculator are indicative and for informational purposes only. For significant financial decisions, consult a qualified financial advisor, chartered accountant, or relevant professional. Tax laws and rates change — always verify with official sources before acting on results.

CalcuTools India · Free calculator platform · About us · How we verify · Last Updated July 2026 · FY 2025-26

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 one of the safest investment options available to Indian investors.

Current POTD Rates (2026)

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 are generally comparable to or slightly higher than large bank FDs. The key advantage: backed by sovereign government guarantee — no DICGC insurance limit applies. Small finance banks may offer higher rates, but POTD has zero credit risk.

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.

Source: India Post · Ministry of Finance · Last Updated July 2026