Post Office TD (Time Deposit) Returns Calculator
Calculate your Post Office TD (Time Deposit) maturity amount, interest earned, and tax benefits. Fixed at 7.5% for the current quarter. Secure your future with government-backed savings.
Real-World Scenarios
Based on ₹1.5L annual investment. Post Office TD (Time Deposit) offers guaranteed returns with sovereign safety.
After 5 years, your corpus grows significantly due to compound interest and tax-free status where applicable.
Professional Strategy Insights
- Maximize your 80C deductions by investing in Post Office TD (Time Deposit) early in the financial year (April) to earn interest for the full 12 months.
- For long-term goals like a child₹s wedding or education, PPF provides the best risk-free compounding in India.
Frequently Asked Questions
Is Post Office TD (Time Deposit) tax-free?
Interest is usually taxable at your slab rate, though principal may be eligible for 80C deduction.
What is the current interest rate for Post Office TD (Time Deposit)?
The current rate is 7.5% (revised quarterly by the Govt of India). Rate for Q1 2026 is stable.
Mathematical Methodology
At eCalcy, transparency is our core principle. This SIP calculator utilizes the Future Value (FV) of Annuity Due formula with monthly compounding intervals (n=12). We account for compounding frequencies (Quarterly for FD, Monthly for SIP/EMI) to ensure 99.9% accuracy compared to official bank statements.
Financial Disclaimer
Calculations provided by eCalcy are estimates for educational purposes only. They do not constitute financial advice. Fixed deposit rates and mutual fund returns are subject to market risks and bank policy changes.
Always consult a SEBI-registered advisor or certified CA before making investment decisions.
Verified Data Sources
eCalcy Editorial Team
Verified ExpertFinance Research & Editorial Board, eCalcy
Financial Technology Specialists · RBI, SEBI & IRS Verified Calculators
Reviewed: April 2026
Every formula and editorial guide on eCalcy is reviewed by the eCalcy Editorial & Research Board and cross-referenced against RBI circulars, SEBI regulations, and the Income Tax Department guidelines. eCalcy is NOT a SEBI-registered investment advisor — all tools are educational planning aids only.