Post Office FD Calculator

Officially called a Post Office Time Deposit, it's a government-backed scheme with its own rate set independently of bank FD rates, and uses quarterly compounding. Use the regular FD Calculator for a bank fixed deposit.

No, Post Office Time Deposits are generally not subject to TDS, unlike bank FDs which deduct TDS above a certain interest threshold — though the interest is still taxable as income when you file your return.

Quarterly — interest is calculated and added to the principal every quarter, then paid out or reinvested depending on the account type, and this calculator reflects that compounding.

Your principal, the maturity amount, and the interest earned over the tenure.

India Post revises Time Deposit rates periodically along with other small savings schemes — check the current rate for your chosen tenure before relying on this projection.