What is Post Office FD?
Post Office Time Deposits (FDs) are 100% government-backed savings instruments. They offer competitive rates — often higher than large bank FDs. The 5-year Post Office TD qualifies for Section 80C tax deduction.
Post Office FD rates are revised quarterly by the government. Current rates range from 6.9% to 7.5% depending on tenure.
Formula
Maturity = P × (1 + r/4)^(4×t)
Post Office TD Rates (2025): - 1 year: 6.9% - 2 years: 7.0% - 3 years: 7.1% - 5 years: 7.5% (eligible for 80C)
How to use this Post Office FD Calculator?
1. Enter deposit amount. 2. Rate is pre-filled for 5-year TD. 3. Choose tenure. 4. Compare with bank FD rates.