Are you planning to invest in a safe savings scheme? Use our Post Office FD Calculator to get an instant and accurate estimate of your Fixed Deposit maturity amount and interest income. Based on 2025 interest rates released by India Post Office, this free calculator helps you make smart, fast and accurate financial decisions - perfect for creating a long-term savings plan in 2025.
Post Office FD Calculator
Instant FD Returns – Trusted Post Office Calculator
Enter FD Details
Calculate your returns and maturity amount for
Post Office Fixed Deposit.
Enter the amount you wish to invest (minimum ₹100, in multiples of ₹10).
Select Years and enter the duration. Minimum tenure is 7 days.
Enter the annual interest rate (default 7.5% for 5 years).
Your FD Results
Invested Amount: ₹0.00
Estimated Returns: ₹0.00
Total Value: ₹0.00
Results are based on quarterly compounding.
Disclaimer: The Post Office FD Calculator is for estimation purposes only. Interest rates are subject to change by India Post. The 5-year TD is eligible for tax deduction under Section 80C (up to ₹1.5 lakh). Premature closure after 6 months incurs a 1% penalty; no interest before 6 months. Visit www.indiapost.gov.in for details.
Post Office FD Interest Rates 2025
Post Office FD interest rates for senior citizens and regular customers are given below-
| Tenure | Regular Customers | Senior Citizens |
|---|---|---|
| 1 year | 6.90% | 6.90% |
| 1 year 1 day – 2 years | 7.00% | 7.00% |
| 2 years 1 day – 3 years | 7.10% | 7.00% |
| 3 years 1 day – 5 years | 7.50% | 7.50% |
Features and Benefits of Post Office FDs
- The tenure of Post Office Term Deposits ranges from 1 year to 5 years.
- Depositors can open multiple FD accounts in any post office.
- Minors aged 10 years and above can also open and manage these accounts.
- However, minors will have to apply to change the account in their name when they turn 18.
- The minimum deposit amount required to open a Post Office FD is Rs 200.
- There is no limit on the maximum deposit amount.
- Joint accounts can also be opened by individuals, provided the account holders are two adults.
- Accounts can be converted from single to joint and vice versa as needed.
- Depositors can convert these accounts from single to joint and vice versa as per the need.
- Deposits made for a tenure of 5 years are eligible for tax benefits under Section 80C of the Indian Income Tax Act, 1961.
- Post Office Term Deposits can be easily transferred from one post office to another.
- The account gets automatically renewed on maturity for the same period for which it was first opened. However, the interest rate will be applicable on the day of maturity..
- NRI depositors cannot open a fixed deposit account in the Indian Post Office. Nomination can be made at the time of opening the account. However, nomination can be made even after opening the account..
- The account can be opened with both cash and cheque. If a depositor chooses to deposit a cheque, the date of payment of the cheque into the government account should be the date of opening the FD account.
FAQ on Post Office Fixed Deposit (FD) Calculator
Q1. How many years will FD double in Post Office?
At the current 2025 interest rate (7.5%), your money on FD can double in about 9 years and 4 months. It depends on the interest rate.
Q2. How to open FD in Post Office?
To open FD in post office: You can open it with Aadhaar on the post office website or at your nearest post office..
Q3. How much interest on FD in Post Office?
The current interest rates on post office FD are from 6.9% to 7.5%, which depends on the deposit period (1 year to 5 years).
Q4. What is the interest of 1 lakh FD in Post Office?
If you open an FD of Rs 1 lakh for 5 years at an interest rate of 7.5%, then you get a total interest of about ₹ 45,000.
Q5. Is Post Office FD tax free?
No. The interest received on post office FD is not completely tax free. If the annual interest is more than ₹ 40,000 (₹ 50,000 for senior citizens) then TDS can be deducted.
Q6. What is the interest of 1 lakh FD in Post Office?
If you open an FD of Rs 1 lakh for 5 years at an interest rate of 7.5%, then you get a total interest of about ₹ 45,000.
Q7.Which is better: NSC or FD in Post Office?
Q8. FD or RD – Which is better in Post Office?
In FD, the amount is deposited at once, whereas in RD, you can deposit a small amount every month. If you want to deposit a lump sum amount then FD is better, RD is better for monthly savings.
Q9. What is the highest interest rate on Post Office FD?
Currently it is 7.5%, payable for a period of 5 years.
10. What is the minimum amount required to open an FD account in a post office?
A minimum amount of ₹200 has to be deposited to open an FD account in a post office.
11.Can we take loan against post office FD?
No, loan facility is not available against post office FD.
