Post Office Time Deposit (TD) Calculator
Post Office FD (Time Deposit) returns at official Oct–Dec 2026 rates with quarterly compounding
7.5% p.a.
Best available rate by Post Office across all tenures
Oct 2026
Accurate interest rates synced with official schedules
The Post Office Time Deposit (TD) currently offers up to 7.5% p.a., with a minimum deposit of ₹1,000. Your maturity amount depends on the deposit amount and tenure you choose — use the calculator below to see your exact returns and total interest. TDS at 10% if interest from your Post Office deposits exceeds ₹50,000 a year (₹1 lakh for senior citizens). Same rates for all age groups.
Minimum deposit: ₹1,000
Annual interest payout
Post Office TD interest is calculated quarterly and paid out every year. It does not compound to maturity.
Used to calculate actual tax on FD interest. Select 0% if income below ₹3L
Annual Payout
Principal Amount
₹1,00,000
Total Payouts (Gross)
+₹38,570
Principal at Maturity
₹1,00,000
Total Proceeds
₹1,38,570
Net (After Tax)
₹1,38,570
Current Interest Rate
Post Office General Rate
7.50%
per annum
Higher Rate Available!
Suryoday SFB offers 8.25%
for this tenure
Extra Earnings
+₹3,750
Post Office Time Deposit Calculator Results
Compare different investment amounts and tenures
Post Office Time Deposit Interest Rates
Latest interest rates for different tenures
| Tenure | General Rate | General Maturity | Senior Citizen Rate | Senior Maturity |
|---|---|---|---|---|
| 1 Year | 6.9% | ₹1,07,081 | 6.9% | ₹1,07,081 |
| 2 Years | 7% | ₹1,14,372 | 7% | ₹1,14,372 |
| 3 Years | 7.1% | ₹1,21,873 | 7.1% | ₹1,21,873 |
| 5 Years | 7.5% | ₹1,38,570 | 7.5% | ₹1,38,570 |
Important Notes
- Min deposit: ₹1,000
- Premature closure follows the TD scheme's term-specific rate rules
- TDS applicable if annual interest exceeds ₹50,000 (₹1 lakh for senior citizens)
- Interest is calculated quarterly and paid every year
Key Benefits
- Guaranteed returns with low risk
- Better rates than savings accounts
- Loan against FD facility
- DICGC insurance up to ₹5,00,000
Premature Withdrawal Guidelines
Post Office Time Deposits (TD) have a mandatory 6-month lock-in. Between 6 and 12 months, the Post Office Savings Account rate applies. For 2- and 3-year TDs after one year, the applicable rate is 2 percentage points lower. A 5-year TD opened on or after 10 November 2023 may close only after four years, at the Savings Account rate.
Post Office TD Interest on ₹1 Lakh, ₹5 Lakh and ₹10 Lakh
Yearly interest at Oct–Dec 2026 rates. Interest is calculated quarterly and paid out once a year, so this is what reaches your account each year.
| Deposit | 1 Year TD (6.9%) | 2 Years TD (7%) | 3 Years TD (7.1%) | 5 Years TD (7.5%) |
|---|---|---|---|---|
| ₹1,00,000 | ₹7,081/yr | ₹7,186/yr | ₹7,291/yr | ₹7,714/yr |
| ₹2,00,000 | ₹14,161/yr | ₹14,372/yr | ₹14,583/yr | ₹15,427/yr |
| ₹5,00,000 | ₹35,403/yr | ₹35,930/yr | ₹36,456/yr | ₹38,568/yr |
| ₹10,00,000 | ₹70,806/yr | ₹71,859/yr | ₹72,913/yr | ₹77,136/yr |
1-Year vs 5-Year TD
The 1-year TD pays 6.9% and keeps your money free sooner. The 5-year TD pays 7.5% and is the only tenure that qualifies for the Section 80C deduction (up to ₹1.5 lakh, old tax regime only). Senior citizens get the same rate as everyone else. Deposits start at ₹1,000 in multiples of ₹100, with no upper limit.
Premature Closure Rules
- No withdrawal in the first 6 months.
- Closed between 6 and 12 months: interest at the Post Office Savings Account rate.
- A 2- or 3-year TD closed after one year: the applicable 1- or 2-year TD rate is reduced by 2 percentage points.
- A 5-year TD opened on or after 10 November 2023: closure is allowed only after four years, at the Post Office Savings Account rate.
TDS on Post Office TD Interest
The post office deducts 10% TDS once your interest from its deposits crosses ₹50,000 in a financial year (₹1 lakh for senior citizens). If your total income is below the taxable limit, submit Form 15G (or 15H if you are 60 or older) at the start of the year. TDS is only an advance tax: the interest is taxable at your slab rate whether or not TDS is deducted.
Tax & TDS on Post Office Fixed Deposits
Understanding tax implications and deductions on your FD investments
Section 80C
Tax-saving FDs (5-year lock-in) qualify for deduction up to ₹1.5 lakh under Section 80C
Senior Citizens
Higher TDS exemption limit of ₹50,000 for citizens above 60 years
• Regular FDs don't qualify for Section 80C deduction
• Interest income is fully taxable as per income tax slab
• Form 15G/15H can be submitted to avoid TDS
TDS Rate
10%
TDS Threshold
₹50,000
TDS Calculation
TDS is deducted at 10% if total interest from all FDs with Post Office exceeds ₹50,000 in a financial year (₹1 lakh for senior citizens). The interest itself is taxable at your slab either way.
TDS is deducted at source by the bank
Form 26AS shows TDS deducted
Can be claimed as advance tax while filing ITR
No PAN: higher 20% TDS applies
₹5 Lakh FD
At 7.5% for 3 years
₹37,500
Annual Interest
TDS: ₹0
₹10 Lakh FD
At 7.5% for 3 years
₹75,000
Annual Interest
TDS: ₹2,500
₹25 Lakh FD
At 7.5% for 3 years
₹1,87,500
Annual Interest
TDS: ₹13,750
Post Office Fixed Deposit FAQs
Everything you need to know about Post Office Fixed Deposits, interest rates, and FD investment planning
What is the minimum amount required for Post Office FD?
What is the current highest FD rate offered by Post Office?
Is the interest earned on Post Office FD taxable?
Can I get a loan against my Post Office TD?
How is Post Office TD interest calculated?
How much interest will I get on ₹1 lakh in a Post Office 5-year TD?
Can I close a Post Office TD before maturity?
Is TDS deducted on Post Office TD interest?
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