Post Office Time Deposit Calculator — 1 to 5 Year TD Returns 2026
Real-World Examples — 2026
₹1 lakh 5-year Post Office TD at 7.5%
₹1 lakh in 5-year PO TD at 7.5% p.a. (quarterly compounding) yields ₹1,44,803 at maturity. Interest earned: ₹44,803. The deposit qualifies for Section 80C deduction, effectively reducing the cost for those in the 30% bracket.
Comparison: PO TD vs Bank FD vs NSC
For ₹2 lakh, 5-year investments: PO TD 7.5% → ₹2,89,606; NSC 7.7% → ₹2,89,806 (similar, plus 80C); SBI FD at 6.5% → ₹2,73,749. Post Office schemes are typically competitive with government guarantee.
Frequently Asked Questions
What are Post Office Time Deposit rates for 2026?
Q1 FY 2026-27 rates: 1 year TD: 6.9% p.a., 2 year: 7.0%, 3 year: 7.1%, 5 year: 7.5%. Interest is compounded quarterly but paid annually. The 5-year TD qualifies for Section 80C deduction up to ₹1.5 lakh.
How is Post Office TD different from bank FD?
Post Office TD is backed by the Government of India (sovereign guarantee), while bank FDs are insured only up to ₹5 lakh per bank under DICGC. PO TD rates are typically competitive with top bank FD rates. TDS is not deducted on POTD interest.
Can PO TD be broken prematurely?
Premature withdrawal is allowed after 6 months at simple interest rate. After 1 year, 2% deduction from applicable TD rate. The original rate is restored if held to maturity.
Is the Post Office TD Calculator free?
Yes, the Post Office TD Calculator on CalcPhi is completely free with no registration required.
Are my inputs stored?
No. All calculations run in your browser. We do not store any financial data.
Can I use the Post Office TD Calculator on mobile?
Yes. CalcPhi is fully mobile-optimised and works on all modern smartphones.