Govt schemes
Post Office TD Calculator
Post Office Time Deposit maturity.
How to use this
Adjust the sliders and the result updates instantly. The figure uses standard formulas and current FY 2025-26 rates — treat it as an estimate to compare your options, then confirm the exact terms with your bank, fund or the department.
Maturity value
₹1.45L
Invested₹1L
Interest₹44.99K
₹1,00,000 in a Post Office Time Deposit at 7.5% for 5 years matures to ₹1,44,995.
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Compare today's FD & TD rates
Bank & post-office deposits.
Know the scheme: Post Office Time Deposit (TD)
| Interest rates | 1yr 6.9% · 2yr 7.0% · 3yr 7.1% · 5yr 7.5% (annually compounded, paid yearly) |
| Tenure | 1, 2, 3 or 5 years |
| Deposit | ₹1,000 minimum, no maximum |
| Tax benefit | Only the 5-year TD qualifies for Section 80C |
| Who can open | Resident individuals, jointly, or for a minor |
| Where to open | Any post office |
Key rules
- Interest is calculated quarterly but paid annually; it is taxable at your slab.
- Premature closure is allowed after 6 months, with the rate stepped down for the period actually held.
- A TD auto-renews for the original tenure at the prevailing rate if you don’t withdraw.
Frequently asked
Is the Post Office TD Calculator free to use?
Yes — every Arthly calculator is free, with no sign-up or app install required.
How accurate is the Post Office TD Calculator?
It uses standard financial formulas and current FY 2025-26 rates. Results are estimates to help you plan, not personalised financial advice — confirm details with your bank, fund or the relevant department.