Home    / Post Office FD Calculator


Post Office FD Calculator

Calculate your Fixed Deposit Maturity Value at the click of a button

How do you like to receive your FD returns?

Investment Amount


Investment Duration


Interest Rate


Compounding Period

Total Investment

Total Returns

Your total earning will be
₹ 3,00,000

After 1 Month, You will earn
₹ 1,38,232 with ₹ 38,282 as interest

Once for 1 Month, to recieve ₹ 5,000 monthly
you need to invest ₹ 9,23,077

Hey! Please select a valid input

Principal (Opening) Interest Principal (Closing)

Unlike other financial institutions, Post offices also facilitate the option to go for a fixed deposit. Now there is no need to worry about the calculation of interest income that your investment can yield for you. Instead of visiting a post office, you can sit back at 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.

Post Office FD - Quick Facts

  • 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 oldest investment options facilitated 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 a FD with a post office
  • You are free to open multiple FD account with a post office.

Benefit 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 manual calculation of interest on FDs
  • Dependable and a transparent tool
  • The tool Post Office Fixed Deposit Calculator comes to you at no cost
  • You are free to use it any number of times
  • It is accessible from anywhere

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.

Post Office FD Interest Rates 2023

Instruments Rate of interest w.e.f 01.04.2023 to 30.06.2023 Compounding Frequency*
Post Office Savings Account​​ 4.0 Annually
1 Year Time Deposit 6.8 (Annual Interest ₹698 for ₹10,000/-) Quarterly
2 Year Time Deposit​​ 6.9 (Annual Interest ₹708 for ₹10,000/-) Quarterly
3 Year Time Deposit​​ 7.0 (Annual Interest ₹719 for ₹10,000/-) Quarterly
5 Year Recurring Deposit Scheme​​ 6.2 (Maturity Value ₹7,043 for ₹100/- Dn) (After Extension with Deposits 6 Years - ₹8,731/-, 7 Years - ₹10,526/-, 8 Years - ₹12,435/-, 9 Years - ₹14,465/- & 10 Years - ₹16,623/-) Quarterly
Senior Citizen Savings Scheme​​ 8.2 (Quarterly Interest ₹205 for ₹10,000/-) Quarterly and Paid
Monthly Income Account​​ 7.4 (Monthly Interest ₹62 for ₹10,000/-) Monthly and paid
National Savings Certificate (VIII Issue) 7.7 (Maturity Value ₹14,490 for ₹10,000/-) Annually
Public Provident Fund Scheme​​ 7.1 Annually
Kisan Vikas Patra​​ 7.5 (will mature in 115 months) Annually
Mahila Samman Savings Certificate​​ 7.5 (Maturity Value ₹11,602 for ₹10,000/-) Quarterly
Sukanya Samriddhi Account Scheme​​ 8.0 Annually

Note: The government of India is known to fix the interest rate payable on post office fixed deposits at the beginning of each quarter. FD rates are effective from April 1, 2023, to June 30, 2023

Frequently Asked Questions

No, the Post Office FD calculator is a simple, easy, and an effective tool accessible online from anywhere in the country.

The government sets Post Office FD scheme interest rate at the start of each quarter.

You need to input - amount, date, tenure, and type of interest payment for the calculation using Post Office FD Calculator.

Post office fixed deposit in India is a preferred option for the safe investment.

The interest on the post office FDs range between 5.5% p.a. to 6.7% per annum and are backed by the sovereign guarantee of the government of India.

Introduction to Bonds
think beyond fixed deposists


Get a call back from us!

Request a Call Back

Request in Process

Please enter the OTP sent to the mobile number with reference number

Didn’t recieve OTP? Resend Again

Request in Process


You will get a call back
within the next 2 minutes

Call Initiated

Select your time

Select the time slot as per
your preference

We will get back to you