Post Office FD Calculator
Calculate your Post Office Fixed Deposit maturity amount with quarterly compounding.
Investment Details
Enter your fixed deposit details to calculate maturity amount
₹1,000 - ₹1,00,00,000
₹
Default: 7.5%
%
Quarterly (4 times per year)
Calculation Results
Your estimated returns from Post Office FD
Maturity Amount
₹1,44,995
Amount you'll receive after 5 years
Total Interest Earned
₹44,995
Principal Amount
₹1,00,000
Investment Summary
Deposit
₹1,00,000
Interest Rate
7.5% p.a.
Tenure
5 Years
Compounding
Quarterly
How Post Office FD Works
1
Choose Tenure
Select from 1, 2, 3, or 5-year fixed deposit terms. Each tenure has
a different interest rate as declared by the government.
2
Deposit Amount
Minimum deposit is Rs. 1,000 with no upper limit. Interest is
compounded quarterly for maximum returns.
3
Get Maturity Value
See your total maturity amount instantly. Interest is calculated
quarterly and added to your principal.
FD Interest Calculation Formula
Maturity Amount = P × (1 + r/4)^(4×n)
Where P = Principal, r = Annual interest rate, n = Number of years.
Interest is compounded quarterly (4 times per year).
Current Post Office FD Interest Rates
1 Year
6.9%
2 Years
7.0%
3 Years
7.1%
5 Years
7.5%
Rates as of Q4 FY 2024-25. Subject to quarterly revision by the Government of India.
Benefits of Post Office Fixed Deposit
Government Guaranteed
Backed by the Government of India with sovereign guarantee,
making it one of the safest investment options.
Higher Than Bank FD
Post Office FD rates are often higher than major bank fixed
deposit rates, especially for longer tenures.
Quarterly Compounding
Interest is compounded quarterly, giving you better effective
returns compared to annual compounding.
Tax Benefits (5-Year FD)
5-year Post Office FD qualifies for tax deduction under
Section 80C up to Rs. 1.5 lakh.
No Upper Limit
Unlike some schemes, there's no maximum limit on how much
you can invest in Post Office FD.
Loan Facility
You can avail a loan of up to 75% of the deposit amount
after 6 months from the date of deposit.
Frequently Asked Questions
What is the minimum deposit for Post Office FD?
The minimum deposit amount is Rs. 1,000, and deposits can be made
in multiples of Rs. 100. There is no maximum limit.
Can I withdraw my FD before maturity?
Yes, premature withdrawal is allowed after 6 months. However, a penalty
of 1-2% on the interest rate applies depending on when you withdraw.
Is Post Office FD interest taxable?
Yes, interest earned on Post Office FD is fully taxable as per your
income tax slab. TDS is deducted if interest exceeds Rs. 40,000 per year.
How is Post Office FD interest calculated?
Interest is compounded quarterly using the formula: A = P(1 + r/4)^(4n).
This gives you better returns than simple interest or annual compounding.