Post Office FD Calculator

Government-backed · Guaranteed returns · 80C benefit on 5yr

Post Office Term Deposits (TD) are government-backed savings instruments offered by India Post. They are available for tenures of 1, 2, 3, and 5 years with quarterly compounding. The 5-year TD qualifies for Section 80C tax deduction up to ₹1.5 lakh per year.

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Post Office TDs are compounded quarterly but paid at maturity. The 5-year TD qualifies for Section 80C deduction up to ₹1.5 lakh.

Frequently Asked Questions

Post Office TD rates are often competitive with or better than major bank FD rates, especially for senior citizens who get an additional 0.5% on the 5-year TD. The key advantage is the sovereign guarantee — your deposit is protected by the Government of India.

Yes. TDS at 10% is deducted if interest from Post Office schemes exceeds ₹40,000 per year (₹50,000 for senior citizens). Submit Form 15G/15H if your total income is below the taxable limit to avoid TDS deduction.