Post Office Time Deposit (POTD)
Calculate returns for Post Office Fixed Deposit with sovereign guarantee
Maturity Amount (5 Years)
Year-wise Growth
| Year | Opening Balance | Interest | Closing Balance |
|---|---|---|---|
| 1 | ₹ 1,00,000 | ₹ 7,714 | ₹ 1,07,714 |
| 2 | ₹ 1,07,714 | ₹ 8,308 | ₹ 1,16,022 |
| 3 | ₹ 1,16,022 | ₹ 8,950 | ₹ 1,24,972 |
| 4 | ₹ 1,24,972 | ₹ 9,639 | ₹ 1,34,611 |
| 5 | ₹ 1,34,611 | ₹ 10,384 | ₹ 1,44,995 |
Current Interest Rates (Q1 FY 2024-25)
| Tenure | Interest Rate | 80C Benefit |
|---|---|---|
| 1 Year | 6.9% | ❌ No |
| 2 Years | 7% | ❌ No |
| 3 Years | 7.1% | ❌ No |
| 5 Years | 7.5% | ✅ Yes |
📌 Post Office Time Deposit Key Features
- Tenure: 1, 2, 3, or 5 years
- Minimum: ₹1,000, No maximum limit
- Interest compounded quarterly
- Sovereign guarantee by Govt of India
- Available at all Post Offices
- 5-year TD qualifies for 80C benefit
- Premature withdrawal after 6 months
- Can be pledged as loan collateral
- Auto-renewal facility available
- Higher rates than bank FDs
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Frequently Asked Questions
Who is Post Office TD Calculator useful for?
Post Office TD Calculator is useful for users evaluating government-backed or regulated saving schemes for long-term planning.
Can scheme rules change over time?
Yes. Interest rates, eligibility rules, and deposit limits can change, so you should verify the latest official guidelines before investing.
Is this tool suitable for planning maturity value?
Yes. It is helpful for estimating maturity amount and understanding how the scheme can fit into your savings plan.
Should I verify final numbers from official sources?
Yes. Use official notifications, bank/post office documents, or scheme circulars for final decision-making.