Post Office FD Calculator India 2025-26 Post Office Time Deposit (POTD) Maturity & Interest Calculator — All Tenures, Q4 2025-26 Rates

Updated: 17 Jun 2026  |  Q1 FY 2025-26 rates: 1yr 6.9% · 2yr 7.0% · 3yr 7.1% · 5yr 7.5%  |  Government of India guarantee

📮 Post Office TD Rates — Q1 FY 2025-26 1 Year: 6.9% 2 Years: 7.0% 3 Years: 7.1% 5 Years: 7.5% (80C eligible) Compounding: Annual (quarterly from 2024)

Select Post Office Saving Scheme:

₹1,00,000
₹1,000₹1 Cr

Select Tenure:

30%
Nil30%

Compare: Top Bank FD Rates (same tenure)

BankRateMaturity

📮 Post Office Maturity Value

₹1,07,186

Principal₹1,00,000
Interest earned₹7,186
TDS/Tax (at 30%)−₹2,156
Post-tax maturity₹1,05,030
Post-tax return4.83% p.a.

Year-by-Year Growth

YearInterest (₹)Balance (₹)

All Post Office Small Savings Schemes — Rates & Features 2025-26

Scheme Rate Tenure Min Max 80C Tax on Interest
TD 1 Year6.9%1 yr₹1,000No limit❌Taxable
TD 2 Year7.0%2 yr₹1,000No limit❌Taxable
TD 3 Year7.1%3 yr₹1,000No limit❌Taxable
TD 5 Year ⭐7.5%5 yr₹1,000No limit✅Taxable
PPF7.1%15 yr₹500/yr₹1.5L/yr✅EEE exempt
SCSS (Senior)8.2%5 yr₹1,000₹30L✅Taxable
NSC7.7%5 yr₹1,000No limit✅Accrual (taxable)
MIS (Monthly)7.4%5 yr₹1,000₹9L (single)❌Taxable
Kisan Vikas Patra7.5%115 mo₹1,000No limit❌Taxable
SSY (Girl Child) ⭐8.2%Till 21yr₹250/yr₹1.5L/yr✅EEE exempt

Rates as of Q1 FY 2025-26. Rates reviewed quarterly by Ministry of Finance. Source: India Post — indiapost.gov.in

3 Real Post Office TD Calculation Examples

1. Ramesh (Retired) — ₹5L in PO 5-Year TD for 80C Benefit 📮

Principal
₹5,00,000
Rate / Tenure
7.5% / 5 yr
Maturity
₹7,17,813
Interest earned
₹2,17,813
Ramesh invests ₹1.5L in 5-year PO TD for 80C (saves ₹45,000 tax at 30%). Remaining ₹3.5L invested in regular PO TD. Interest on PO TD is taxable — Ramesh adds it to income each year and pays tax at 20% (he’s in 20% bracket post-retirement). Net annualised post-tax return: ~6.0% on the 5-yr TD. Compare: SBI 5-year FD at 7.25% → post-tax 5.8%. PO 5yr TD beats SBI by 0.2% post-tax and has sovereign guarantee vs bank deposit insurance (₹5L limit).

2. Sunita (Senior, 62) — SCSS for Highest PO Rate at 8.2% 👴

SCSS Deposit
₹15,00,000
Rate
8.2% quarterly
Quarterly interest
₹30,750
Annual income
₹1,23,000
SCSS (Senior Citizens Savings Scheme): highest guaranteed rate at 8.2%, available to 60+ year olds (55+ for VRS/defence retirees). Maximum ₹30L per person. Sunita deposits ₹15L → ₹30,750 per quarter (₹1,23,000/year) — regular pension-like income. TDS deducted if annual interest exceeds ₹50,000 (Form 15H can be submitted if income below exemption). 80C eligible. Can extend 3 years after initial 5-year tenure. SCSS is India’s best senior citizen savings product — sovereign guarantee + highest safe rate.

3. Kavita — ₹2L in MIS for Monthly Income + Additional PO TD 💸

MIS deposit
₹9,00,000
MIS rate
7.4% → monthly
Monthly payout
₹5,550/mo
Annual income
₹66,600/yr
Post Office MIS: ideal for regular monthly income needs. Kavita deposits max ₹9L (single account limit) and ₹15L jointly with husband. Monthly payout: ₹5,550 on ₹9L (7.4% p.a.). Key: MIS maturity returns only principal (no compounding) — it’s a pure monthly income product, not a wealth accumulation product. After 5 years: reinvest ₹9L in new MIS. Strategy: use MIS for monthly income + separate PO TD for wealth growth = complementary PO portfolio.

5 Expert Tips for Post Office FD & Savings Schemes

01

Use Post Office 5yr TD for 80C Instead of Tax-Saving FD — Better Rate

Bank 5-year tax-saving FDs: SBI 7.25%, HDFC 7.25%, ICICI 7.25%. Post Office 5-year TD: 7.5%. The 0.25% extra rate compounds significantly on large investments. ₹1.5L invested for 5 years: PO TD gives ₹2,15,672 vs SBI tax-saving FD ₹2,12,924 — ₹2,748 more. Both are sovereign-backed (PO has India’s sovereign backing; bank FDs have DICGC ₹5L insurance). For amounts above ₹5L: PO TD is actually safer (sovereign vs. bank insurance cap).

02

Senior Citizens: SCSS First, Then PO TD — Maximise 8.2% Sovereign Income

SCSS at 8.2% is the highest guaranteed interest rate in India for any safe instrument. Senior citizens should max SCSS first (₹30L limit per person) before considering PO TD, bank FD, or any other deposit. ₹30L in SCSS = ₹2,46,000/year or ₹20,500/month in guaranteed income. For a couple: ₹60L in SCSS (₹30L each) = ₹4,92,000/year. After SCSS limit: overflow into PO 5yr TD at 7.5% or NSC at 7.7% (both 80C eligible). SCSS is also 80C eligible — double benefit.

03

Submit Form 15G/15H to Avoid TDS on Post Office Interest

Post Office deducts TDS if total interest across all PO accounts exceeds ₹40,000/year (₹50,000 for seniors). Form 15G (below 60) or 15H (senior) submitted to postmaster at start of each financial year prevents TDS deduction — useful if your total income is below the taxable exemption limit. Submit separately for each post office where you have deposits. Even if TDS is deducted, it’s refundable via ITR if your income is below exemption. Don’t let PO TDS accumulate unclaimed — file ITR and claim refund.

04

Link Post Office Accounts to IPPB (India Post Payments Bank) for Digital Access

Linking your Post Office savings/TD accounts to IPPB (India Post Payments Bank) enables: online balance check and statements; seamless fund transfer between PO savings and TD; interest credit tracking digitally; automatic renewal reminders. IPPB app is available on iOS and Android — link via DoP (Department of Posts) net banking. This eliminates the need to visit post office for routine enquiries. For rural investors using Common Service Centres: IPPB enables banking access without branch visits.

05

Laddering PO TDs — Stagger Maturities to Handle Rate Changes

Don’t put all money in one PO TD tenure. Use laddering: split across 1yr + 2yr + 3yr + 5yr TDs. Example: ₹10L total — ₹2.5L each in 1yr/2yr/3yr/5yr. Each year when the 1yr TD matures: reinvest at prevailing rate (could be higher or lower). This averages out interest rate risk over time. The 5yr TD locks in current 7.5% even if rates fall. Shorter TDs provide liquidity if rates rise. Same strategy works for bank FDs — PO TD laddering is simpler as all accounts at one post office.

Frequently Asked Questions — Post Office FD & Small Savings 2025-26

Post Office FD interest rates 2025-26?+
1yr: 6.9% · 2yr: 7.0% · 3yr: 7.1% · 5yr: 7.5% (80C eligible). SCSS (senior): 8.2%. NSC: 7.7%. MIS: 7.4%. Sovereign-backed, reviewed quarterly.
PO FD vs bank FD — which is better?+
PO TD wins on: safety (full sovereign guarantee vs DICGC ₹5L insurance) and rate (7.5% vs SBI 7.25% for 5yr). Bank FD wins on: convenience (net banking). For deposits above ₹5L: PO is safer. For amounts under ₹5L: both equally safe.
Is Post Office FD 80C eligible?+
Only the 5-year PO TD qualifies for Section 80C (up to ₹1.5L). 1yr, 2yr, 3yr: not eligible. Interest is taxable (unlike PPF). Also 80C eligible: NSC, SCSS, PPF, SSY.
Is Post Office FD completely safe?+
Yes — Government of India sovereign guarantee, no upper limit. Safer than bank FDs for amounts above ₹5L (bank insurance cap). India Post has never defaulted on any deposit. One of the safest investments in India.
What is SCSS interest rate and eligibility?+
SCSS: 8.2% quarterly payout. Eligibility: 60+ years (55+ VRS; 50+ defence). Max ₹30L/person, ₹60L couple. 80C eligible. 5yr tenure, extendable 3 years. India’s highest guaranteed rate for seniors.
PO FD vs PPF — which is better?+
PPF wins for taxpayers: PO 5yr TD post-tax at 30% bracket = 5.25% vs PPF 7.1% EEE. PPF beats PO TD by 1.85% post-tax. PO TD better for: non-taxpayers; amounts above PPF’s ₹1.5L/yr cap; need for annual interest payout.
How to open Post Office FD online?+
DOP net banking or IPPB app → Fixed Deposit → New TD. Requires existing PO savings account linked to net banking. Offline: post office with Aadhaar + PAN + initial deposit. Joint accounts: both applicants present.
What is premature withdrawal from PO FD?+
Not allowed in first 6 months. After 6–12 months: savings rate (4%). After 1 year: applicable tenure rate minus 2%. 5yr TD closed after 2yr: (7.0% − 2%) = 5% rate. Visit post office with passbook/certificate.
NSC vs Post Office FD — which is better?+
NSC: 7.7% — interest accrued annually and reinvested (eligible for 80C deduction each year on accrual). PO 5yr TD: 7.5% — annual interest paid out. NSC wins on rate; annual 80C on accrued interest is additional benefit. Choose NSC if you don’t need annual income; PO TD if you want interest payout.
What is Post Office MIS monthly income?+
MIS at 7.4%, 5yr, max ₹9L single/₹15L joint. ₹9L → ₹5,550/month. Pure income product — principal returned at maturity (no compounding). Not 80C eligible. Ideal for regular monthly income needs after retirement.
What is TDS on Post Office FD?+
10% TDS if annual PO interest exceeds ₹40,000 (₹50,000 for seniors). Submit Form 15G/15H at start of year if income below taxable limit to prevent TDS. Without PAN: 20% TDS.
Can NRIs invest in Post Office FD?+
No — PO schemes are for Indian residents only. NRIs: use NRE/NRO bank FDs. Existing accounts before NRI status can continue till maturity but not extended/increased.
Can I take loan against Post Office FD?+
Yes — after 6 months. Loan up to 75% of TD value at TD rate + 2%. Avoids premature withdrawal penalty for short-term liquidity.
What is Kisan Vikas Patra (KVP)?+
KVP: 7.5%, doubles money in ~115 months (9yr 7mo). No maximum. Certificate-based, no account needed. Not 80C eligible. Good for money-doubling with sovereign safety. PAN mandatory above ₹50,000.
SSY vs Post Office FD?+
SSY: 8.2% EEE — far better for girl child parents. Post-tax equivalent at 30%: SSY 8.2% vs PO TD 5.25%. SSY wins massively for girl child investment. Max ₹1.5L/year, runs till girl’s 21st year.
What is Post Office RD rate 2025-26?+
PO RD: 6.7% p.a. (compounded quarterly), 5-year tenure, minimum ₹100/month. Not 80C eligible. Interest taxable. Good for disciplined monthly savings with sovereign safety.
How is Post Office FD interest calculated?+
Quarterly compounding: Maturity = P × (1 + r/4)^(4n). Example ₹1L at 7.5%/5yr: ₹1,44,829. Interest = ₹44,829. Quarterly compounding from 2024 (previously annual) increases effective yield slightly.
How to check PO FD balance online?+
DOP internet banking (indiapostpayments.gov.in) or IPPB app (link PO savings account). SMS banking for alerts. Physical passbook update at post office. Annual interest certificate available by April 30 at post office for ITR filing.
PO FD vs LIC endowment — which is better?+
PO 5yr TD (7.5% clear return) far better than LIC endowment (IRR ~4.5–5.5%, 15–20yr tenure). Never mix insurance and investment. Buy term insurance separately; use PO TD/NSC/ELSS for savings.
What happens at Post Office FD maturity?+
Auto-renewal if instructed at opening (at prevailing rate). Otherwise: principal credited to PO savings. If uncollected for 2 years: earns only savings rate (4%). Visit post office 7–10 days before maturity to choose: withdraw, renew, or close. IPPB app sends reminders for linked accounts.
What is maximum PO FD investment?+
No maximum for PO TD (1yr, 2yr, 3yr, 5yr). Minimum ₹1,000 in multiples of ₹100. Full sovereign backing for any amount — key advantage over bank FDs (DICGC ₹5L insurance cap).

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Disclaimer — Post Office FD Calculator (CalcWise Finance)

Interest rates shown are for Q1 FY 2025-26 as notified by Ministry of Finance. PO TD rates are reviewed quarterly and may change. Maturity calculations assume rates remain constant. SCSS, SSY, NSC, MIS, and KVP rates are also quarterly-revised. CalcWise Finance is not affiliated with India Post or the Government of India.

Regulatory authorities: Post Office Small Savings Schemes are governed by India Post — indiapost.gov.in under the Ministry of Communications. Rate notifications and scheme guidelines: Ministry of Finance — finmin.nic.in. EV subsidy and scheme info: Income Tax Department — incometax.gov.in. Last Updated: 17 Jun 2026.