Savings · Government
Post Office Time Deposit Calculator
Government-backed fixed deposit at India Post. 5-year POTD is also 80C-eligible.
Deposit details
Tenure
Rate & data freshness
Rate applies to: Q2 FY 2026-27
Last updated: July 2026
Next review: September 2026
Default rate based on the latest official Government of India notification. Please verify the current rate before making financial decisions.
Maturity value
₹7,24,974
5 yr @ 7.5%
- Deposit
- ₹5,00,000
- Total interest
- ₹2,24,974
- Yearly interest (avg)
- ₹44,995
Interest compounded quarterly, paid annually. 5-year POTD qualifies for 80C deduction up to ₹1.5 L.
Deposit vs interest
- Deposit
- Interest
Total: ₹7.25 L
Formula
How the math works
Maturity = P × (1 + r/4)^(4t) ; interest compounded quarterly, paid annually
- P
- Deposit amount
- r
- Annual rate (varies by tenure)
- t
- Tenure in years
Method
How it works
- 1
Pick the tenure — 1, 2, 3 or 5 years.
- 2
CalcPe applies the exact notified rate for that tenure.
- 3
Interest is compounded quarterly and paid annually.
- 4
You get principal + accrued interest at maturity.
Worked example
A quick walkthrough
Inputs
₹5,00,000 deposit in 5-year POTD at 7.5%.
Steps
- Maturity = 5,00,000 × (1 + 7.5%/4)^20
- ≈ ₹7,24,974
Result
Maturity ≈ ₹7,24,974 · interest earned ≈ ₹2,24,974.
Why use it
Why CalcPe’s Post Office Time Deposit Calculator
- 5-year POTD is 80C-eligible (up to ₹1.5 L deduction).
- Government-backed, capital fully safe.
- Higher rate than most bank FDs.
- Available at all post offices; no minimum lot size.
FAQ
Frequently asked questions
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