Post Office Time Deposit Calculator

Find the maturity value of a 1, 2, 3, or 5 year Post Office Time Deposit at the current official rate.

Official rate effective 01.07.2026 to 30.09.2026 — rates are set by India Post and revised quarterly. Figures are estimates for general planning only — see the explanation below for this scheme's specific assumptions.

Deposit: ₹10,000 (69%)Interest: ₹4,499 (31%)

if you deposit ₹10,000 in a 5 Years Post Office Time Deposit at the current rate, it matures to about ₹14,499 — ₹4,499 in interest, compounded quarterly. Compare this against building up the same amount gradually with a Recurring Deposit

What is a Post Office Time Deposit?

India Post’s version of a fixed deposit — you deposit a lump sum for a fixed term (1, 2, 3, or 5 years), and each tenure has its own official interest rate, generally higher for longer terms. Interest compounds quarterly and is paid out as one lump sum at maturity, along with your original deposit.

Why the tenure you pick changes the rate, not just the term

Unlike a bank FD where you might negotiate or shop for the best rate at a given tenure, Post Office Time Deposit rates for each tenure are fixed by the government and revised quarterly — picking "5 Year" here doesn’t just extend how long your money is locked in, it also changes the interest rate that applies to it.

Frequently asked questions

Why does the interest rate change when I pick a different tenure?

Each Time Deposit tenure (1, 2, 3, and 5 years) has its own official rate set by India Post, generally higher for longer terms — picking a tenure here selects both the term and the rate that applies to it.

Can I withdraw before the term ends?

Premature withdrawal is allowed after 6 months, but at a reduced rate depending on how early it is — this calculator shows the full-term maturity value only, assuming no early withdrawal.

Common questions answered

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