India Post (Post Office) FD Calculator
7.5% p.a. (annual compounding) - Min deposit Rs. 1,000
Principal
Rs. 5.00 lakh
Example: Rs. 5 lakh
Interest Earned
Rs. 2.18 lakh
Over 5 years
Maturity Amount
Rs. 7.18 lakh
at 7.5% p.a.
India Post (Post Office) FD Rates by Tenure
| Tenure | General Rate | Senior Citizen |
|---|---|---|
| 1 year TD | 6.9% | 6.9% |
| 2 year TD | 7% | 7% |
| 3 year TD | 7.1% | 7.1% |
| 5 year TD | 7.5% | 7.5% |
Indicative rates. Actual rates may differ - verify with India Post (Post Office) before investing.
India Post (Post Office) FD Maturity - Quick Reference (at 7.5%)
| Principal | 1 yr | 2 yr | 3 yr | 5 yr |
|---|---|---|---|---|
| Rs. 1.00 lakh | Rs. 1.07 lakh | Rs. 1.16 lakh | Rs. 1.24 lakh | Rs. 1.44 lakh |
| Rs. 2.50 lakh | Rs. 2.69 lakh | Rs. 2.89 lakh | Rs. 3.11 lakh | Rs. 3.59 lakh |
| Rs. 5.00 lakh | Rs. 5.38 lakh | Rs. 5.78 lakh | Rs. 6.21 lakh | Rs. 7.18 lakh |
| Rs. 10.00 lakh | Rs. 10.75 lakh | Rs. 11.56 lakh | Rs. 12.42 lakh | Rs. 14.36 lakh |
| Rs. 25.00 lakh | Rs. 26.88 lakh | Rs. 28.89 lakh | Rs. 31.06 lakh | Rs. 35.89 lakh |
Customize your FD calculation
Maturity Amount
₹6.07 L
In today's money: ₹5.09 L(6% inflation)
Total Interest
₹1.07 L
Effective Annual Rate
6.66%
Compounding advantage vs simple interest
Year-by-Year Growth
India Post (Post Office) FD - Key Features
- -Backed by Government of India - zero default risk
- -5-year TD eligible for 80C tax deduction
- -Interest paid annually (not quarterly)
- -No TDS on post office TD interest
- -Senior citizens get same rate (no additional benefit)
India Post (Post Office) FD Returns by Amount & Tenure
Maturity value and interest earned at India Post (Post Office)'s 1 / 2 / 3 / 5-year card rates (annual compounding)
| Deposit | 1 yr @ 6.9% | 2 yr @ 7% | 3 yr @ 7.1% | 5 yr @ 7.5% |
|---|---|---|---|---|
| Rs. 1.00 lakh | Rs. 1.07 lakh +Rs. 6,900 interest | Rs. 1.14 lakh +Rs. 14,490 interest | Rs. 1.23 lakh +Rs. 22,848 interest | Rs. 1.44 lakh +Rs. 43,563 interest |
| Rs. 5.00 lakh | Rs. 5.34 lakh +Rs. 34,500 interest | Rs. 5.72 lakh +Rs. 72,450 interest | Rs. 6.14 lakh +Rs. 1.14 lakh interest | Rs. 7.18 lakh +Rs. 2.18 lakh interest |
| Rs. 10.00 lakh | Rs. 10.69 lakh +Rs. 69,000 interest | Rs. 11.45 lakh +Rs. 1.45 lakh interest | Rs. 12.28 lakh +Rs. 2.28 lakh interest | Rs. 14.36 lakh +Rs. 4.36 lakh interest |
Assumes annual compounding with interest reinvested (cumulative FD). Indicative rates — verify with India Post (Post Office) before investing.
Senior citizen FD rates at India Post (Post Office)
Post Office Time Deposits pay senior citizens the same rate as the general public — there is no age-based bonus. The table below shows what a ₹5 lakh deposit earns at each tenure. Senior citizens seeking a higher assured return may prefer the Senior Citizen Savings Scheme (SCSS).
| Tenure | General | Senior | Senior maturity | Extra interest |
|---|---|---|---|---|
| 1 year | 6.9% | 6.9% | Rs. 5.34 lakh | — |
| 2 years | 7% | 7% | Rs. 5.72 lakh | — |
| 3 years | 7.1% | 7.1% | Rs. 6.14 lakh | — |
| 5 years | 7.5% | 7.5% | Rs. 7.18 lakh | — |
Best India Post (Post Office) FD tenure right now
India Post (Post Office)'s highest FD rate is 7.5% on the 5 years FD. The longest tenure also carries the top rate, rewarding a longer commitment. Rates span 6.9%–7.5% across 1–5 years; the 5-year TD also qualifies for a Section 80C deduction.
Frequently Asked Questions
What is the India Post (Post Office) FD interest rate in 2026?▾
India Post (Post Office) offers FD rates from about 6.9% to 7.5% p.a. for 1 to 5-year deposits (general public). The best rate, 7.5%, is on the 5 years FD. Senior citizens earn the same rate on Post Office Time Deposits — there is no age-based bonus. These are indicative card rates — confirm the live rate with India Post (Post Office) before booking.
Do senior citizens get a higher FD rate at India Post (Post Office)?▾
No. Post Office Time Deposits pay senior citizens exactly the same rate as everyone else — there is no age-based bonus. Senior citizens who want a higher assured return can look at the Senior Citizen Savings Scheme (SCSS), which pays more than the 7.5% top TD rate.
How much will ₹5 lakh grow in a India Post (Post Office) FD?▾
A ₹5 lakh deposit in a 5 years India Post (Post Office) FD at 7.5% p.a. (annual compounding) matures to about Rs. 7.18 lakh, earning Rs. 2.18 lakh in interest. See the maturity table above for ₹1 lakh, ₹5 lakh and ₹10 lakh across 1, 2, 3 and 5-year tenures.
Is India Post (Post Office) FD interest taxable and is TDS deducted?▾
Yes. Post Office Time Deposit interest is fully taxable at your income-tax slab rate and must be declared under "Income from Other Sources". Post Office Time Deposits have not traditionally had TDS deducted at source, but the interest is not tax-free — you must report it and pay any tax due. Only the 5-year TD qualifies for a Section 80C deduction on the amount invested.
Can I withdraw a India Post (Post Office) FD before maturity?▾
A Post Office Time Deposit can be closed prematurely only after 6 months. If closed between 6 and 12 months, interest is paid at the Post Office Savings Account rate. If closed after 1 year, interest for completed years is paid 2% below the applicable TD rate. Breaking a 5-year TD early also reverses any Section 80C benefit already claimed.
Cumulative vs monthly-payout India Post (Post Office) FD — which pays more?▾
A cumulative FD keeps the interest inside the deposit and compounds it annual, so it pays the most at maturity. A non-cumulative FD pays interest out every month or quarter for regular income, but nothing compounds, so the total is lower. On a ₹5 lakh 5 years FD at 7.5%, the cumulative option earns about Rs. 2.18 lakh versus roughly Rs. 1.88 lakh as plain interest — the extra Rs. 30,315 is the value of compounding. Retirees who need monthly cash flow often still choose the payout option.
Is a India Post (Post Office) FD safe?▾
India Post (Post Office) Time Deposits are backed by the Government of India and carry no credit risk. The sovereign guarantee means there is no upper limit on safety, making Post Office TD one of the safest fixed-income options in India.
Which India Post (Post Office) FD tenure gives the highest return?▾
India Post (Post Office)'s highest rate among 1 to 5-year deposits is 7.5% on the 5 years FD. The longest tenure also carries the top rate, so a longer lock-in is rewarded at India Post (Post Office).