Estimate your maturity value and earnings for Post Office Fixed Deposits
1 Year Time Deposit
2 Year Time Deposit
3 Year Time Deposit
5 Year Time Deposit
Note: Post Office rates are compounded quarterly.
Maturity Value
₹ 1,44,995
Total Earnings (Growth)
₹ 44,995
*Calculation based on quarterly compounding as per Post Office norms.
Understanding Post Office Time Deposits (POTD)
A Post Office Time Deposit (Fixed Deposit) is one of the most secure investment avenues offered by India Post. It provides a guaranteed return on your capital over a fixed period. Unlike commercial banks, the rates for Post Office deposits are sovereign-backed, making them exceptionally safe for conservative investors.
How the Post Office TD Calculation Works
The calculation for Post Office Fixed Deposits follows a specific logic: interest is calculated quarterly but the maturity is realized at the end of the term. The formula used is the compound interest formula:
A = P (1 + r/400) ^ (4n)
A: Maturity Value
P: Total Investment (Principal)
r: Annual Return Percentage
n: Deposit Duration in Years
Key Features of Post Office FD
Tenure Type
Typical Yield Range
Tax Benefit
1 – 3 Years
6.9% – 7.1%
Not Applicable
5 Years
7.5%
Eligible under Section 80C
Practical Example
If you invest ₹ 5,00,000 in a 5-year Time Deposit with an annual return percentage of 7.5%:
Principal Amount: ₹ 5,00,000
Annual Return: 7.5% (Compounded Quarterly)
Duration: 5 Years
Calculation: 5,00,000 * (1 + 7.5/400)^(4*5)
Maturity Value: ₹ 7,24,974
Wealth Gained: ₹ 2,24,974
Benefits of using this Calculator
Manual calculation of quarterly compounding can be complex and prone to errors. Our Post Office FD calculator allows you to plan your future savings precisely. Whether you are looking to park surplus funds for a year or building a long-term corpus for 5 years with tax benefits, this tool provides instant clarity on your returns.
function updateDefaultRate() {
var tenure = document.getElementById("tenurePeriod").value;
var rateInput = document.getElementById("returnPercentage");
// Current standard PO rates (Example: Rates may vary by quarter)
if (tenure == "1") {
rateInput.value = "6.9";
} else if (tenure == "2") {
rateInput.value = "7.0";
} else if (tenure == "3") {
rateInput.value = "7.1";
} else if (tenure == "5") {
rateInput.value = "7.5";
}
calculateMaturity();
}
function calculateMaturity() {
var p = parseFloat(document.getElementById("investmentAmount").value);
var r = parseFloat(document.getElementById("returnPercentage").value);
var t = parseFloat(document.getElementById("tenurePeriod").value);
if (isNaN(p) || p <= 0) {
alert("Please enter a valid investment amount.");
return;
}
if (isNaN(r) || r <= 0) {
alert("Please enter a valid return percentage.");
return;
}
// Formula for Quarterly Compounding: A = P(1 + r/4/100)^(4*t)
// Simplified: A = P(1 + r/400)^(4t)
var n = 4; // Compounded quarterly
var maturityValue = p * Math.pow((1 + (r / 400)), (n * t));
var totalInterest = maturityValue – p;
// Formatting output
var formattedMaturity = "₹ " + maturityValue.toLocaleString('en-IN', { maximumFractionDigits: 0 });
var formattedEarnings = "₹ " + totalInterest.toLocaleString('en-IN', { maximumFractionDigits: 0 });
document.getElementById("maturityValueDisplay").innerHTML = formattedMaturity;
document.getElementById("totalEarningsDisplay").innerHTML = formattedEarnings;
}
// Initialize on load
window.onload = function() {
calculateMaturity();
};