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POST Office FD Calculator

Your Investment

Duration (Years)

Return Rate (%)

BondsIndia

After 3 Years, You will receive
123143.93BondsIndia
and ₹ 23143.93 as interest

Total Investment

Total Interest

Post Office Fixed Deposit

Post offices also facilitate the option to go for a fixed deposit. Now there is no need to worry about calculating the interest income your investment can yield. Instead of visiting a post office, you can sit back in your comfort and use the Post Office FD Calculator to estimate the returns you can enjoy on your investment after the end date of your chosen maturity.

More About Post Office Fixed Deposit Calculator

Now easily calculate Post Office FD Interest Returns in minutes using the Post Office FD Calculator. This Post Office FD Calculator is developed specially for investors looking to invest in post office FD schemes.

The rate of interest offered on the post office FDs are known to be attractive. Customers are found enjoying the interest rates starting at 5.50% per annum. The deposits in the post office can be opened for a tenure 1 to 5 years with a minimum investment amount of Rs.1,000 with no higher limit.

Find out the maturity return you can get on your fund invested in a post office saving scheme. Use Post Office Fixed Deposit Calculator and save your effort and time. You need to enter the details like the principal amount, rate of interest rate, and the preferred tenure prior to clicking on the button 'Calculate' online.

Post office FDs unlike banks offers you the facility to seek loan against your FD. The interest offered by the post office is higher sometime in comparison to banks. The FD account can be transferred from one branch to another without hassle. Withdrawal is not allowed before 6 months. You can go for the premature withdrawal subject to a penalty of 1% on your post office fixed deposits.

How can a Post Office FD Calculator help you?

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Benefits of using the Post Office Fixed Deposit Calculator

  • It is an automatic calculator.
  • You are required to enter the basic information.
  • Now save your time wasted in the manual calculation of interest on FDs.
  • The post office is a trusted institution, and their FD calculator ensures transparency and reliability in calculating your investment returns

Post Office FD Interest Rates

FD Tenure Rate of interest w.e.f. 1 October 2025 to 31 December 2025
1 Year6.90%
2 Year7.00%
3 Year7.10%
5 year7.50%
The Process and Eligibility criteria to open the Post Office Fixed Deposit
  • A minor above 10 years can open a FD account with a post office.
  • There is no maximum limit, but the minimum limit allowed is Rs. 1000.
  • You can take the benefit of Section 80C of Income Tax Act on opening a 5-year fixed deposit account with the post office.
  • You can choose to extend the tenure at the end date of maturity.
  • Post office FDs are also popular as post office time deposit (POTD)
  • It is one of the oldestinvestment optionsfacilitated by the Indian Postal Services
  • It is considered the best option for risk-averse people
  • Like a bank fixed deposit, a post office fixed deposit offers you the flexibility to choose tenure, rate of interest, amount of money
  • Backed by the government of India, post office fixed deposits are considered to be secure and dependable
  • The interest is calculated quarterly but paid annually to the customers holding an FD with a post office
  • You are free to open multiple FD accounts with a post office.
  • Frequently Asked Questions

    Post Office FD offers fixed, government-backed returns, while bonds give higher but market-linked returns.
    Bonds generally offer higher returns, while Post Office FDs ensure safety and steady income.
    Post Office FDs are government-backed and very safe; bond safety depends on the issuer.
    Yes, but bond prices may rise or fall depending on market conditions.
    Post Office FDs have fixed rates; some bonds have floating or variable rates.

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