India Post (Post Office) FD Calculator
7.1% p.a. (annual compounding) - Min deposit Rs. 1,000
Principal
Rs. 5.00 lakh
Example: Rs. 5 lakh
Interest Earned
Rs. 2.05 lakh
Over 5 years
Maturity Amount
Rs. 7.05 lakh
at 7.1% 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 7.1%)
| Principal | 1 yr | 2 yr | 3 yr | 5 yr |
|---|---|---|---|---|
| Rs. 1.00 lakh | Rs. 1.07 lakh | Rs. 1.15 lakh | Rs. 1.23 lakh | Rs. 1.41 lakh |
| Rs. 2.50 lakh | Rs. 2.68 lakh | Rs. 2.87 lakh | Rs. 3.07 lakh | Rs. 3.52 lakh |
| Rs. 5.00 lakh | Rs. 5.36 lakh | Rs. 5.74 lakh | Rs. 6.14 lakh | Rs. 7.05 lakh |
| Rs. 10.00 lakh | Rs. 10.71 lakh | Rs. 11.47 lakh | Rs. 12.28 lakh | Rs. 14.09 lakh |
| Rs. 25.00 lakh | Rs. 26.77 lakh | Rs. 28.68 lakh | Rs. 30.71 lakh | Rs. 35.23 lakh |
Customize your FD calculation
Maturity Amount
₹6.16 L
Total Interest
₹1.16 L
Effective Annual Rate
7.19%
Interest Breakdown
| Period | Interest | Balance |
|---|---|---|
| Q1 (Year 1) | ₹8,750 | ₹5.09 L |
| Q2 (Year 1) | ₹8,903 | ₹5.18 L |
| Q3 (Year 1) | ₹9,059 | ₹5.27 L |
| Q4 (Year 1) | ₹9,217 | ₹5.36 L |
| Q5 (Year 2) | ₹9,379 | ₹5.45 L |
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)
Frequently Asked Questions
What is the India Post (Post Office) FD interest rate in 2026?▾
India Post (Post Office) offers FD interest rates ranging from 6.9% to 7.5% p.a. for general citizens, depending on the tenure. Senior citizens typically earn the same rate (no additional benefit). The most popular 5-year FD earns 7.1% p.a. with annual compounding.
How much will Rs. 5 lakh grow in 5 years at India Post (Post Office)?▾
Rs. 5 lakh (Rs. 500,000) invested in a India Post (Post Office) FD for 5 years at 7.1% p.a. (annual compounding) will grow to approximately Rs. 7.05 lakh. Total interest earned = Rs. 2.05 lakh.
Is India Post (Post Office) FD safe?▾
India Post (Post Office) Time Deposits are fully backed by the Government of India and carry no credit risk. There is no upper limit on deposit insurance since the sovereign guarantees repayment. This makes Post Office TD one of the safest fixed-income investments in India.