Post Office FD Calculator

Digifinn’s Post Office FD Calculator is designed for investors considering Post Office Time Deposit schemes. Enter principal, rate, and tenure to review a quick maturity estimate and save time versus manual calculation.

Post Office Time Deposit tenures are commonly available for 1 to 5 years, with a minimum investment often cited around ₹1,000 and no upper limit in many cases (confirm current rules). Rates are revised periodically by the government / India Post and may start from levels such as those shown in the illustrative table below.

Some features often associated with Post Office Time Deposits (subject to official rules): loan against deposit may be available; accounts can sometimes be transferred between post offices; premature withdrawal is typically restricted in the early period (for example, not before 6 months) and may attract a penalty (sometimes cited around 1%). Always verify with India Post before investing or withdrawing.

• Financial planning — estimate maturity value for a chosen tenure and rate
• Time saving — avoid lengthy manual interest calculations
• Clearer comparisons — adjust inputs to compare different scenarios
• Convenience — use the tool anytime on Digifinn at no cost

• Automatic estimates from the amount, rate, and tenure you enter
• Only basic information is required to get a planning result
• Saves time versus manual interest calculations
• Supports clearer scenario planning before you visit a post office or apply online

The rates below are published for educational illustration based on publicly shared Post Office Time Deposit tenure slabs for a stated quarter. They may be outdated and are not Digifinn’s rates. Verify the latest rates on official India Post channels before investing.

• A minor above 10 years may open a Post Office FD / time deposit account subject to India Post rules
• Minimum deposit is often around ₹1,000; there may be no maximum limit — confirm current rules
• A 5-year Post Office Time Deposit may be eligible for tax benefits under Section 80C of the Income Tax Act, subject to applicable law and your tax situation — consult a tax advisor
• You may be able to extend the tenure at maturity as per scheme rules
• Post Office FDs are also known as Post Office Time Deposits (POTD)
• POTD is a long-standing small-savings option facilitated through India Post
• Some risk-averse investors prefer POTD for relatively predictable interest estimates if held to maturity under scheme terms
• Like bank FDs, you typically choose tenure, amount, and use the applicable notified rate
• As a small-savings product offered through India Post, POTD is often viewed as relatively lower-risk compared with many market-linked instruments — still review official terms
• Interest is commonly calculated on a quarterly basis and paid annually under Post Office Time Deposit rules (confirm current payout method)
• You may open multiple Post Office FD / time deposit accounts subject to eligibility

1. Open Digifinn’s Post Office FD Calculator page.
2. Enter the deposit amount.
3. Select the tenure and applicable interest rate you want to model.
4. Choose the payout preference if comparing scenarios (Digifinn’s calculator offers on-maturity, monthly, or quarterly estimates — Post Office payout rules may differ).
5. Review the estimated interest and maturity amount shown instantly.