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Post Office Time Deposit Calculator
Maturity value of Post Office Time Deposits (1 / 2 / 3 / 5 years).
Enter values to see your result
Frequently asked questions
How does POTD differ from bank FD?
POTD rates are set by the government every quarter and are often higher than equivalent bank FDs. Safety is sovereign; no DICGC cap applies.
Can I extend a Post Office TD?
Yes — you can extend at maturity for another term (same or different tenure) at the prevailing rate.
Is premature withdrawal allowed?
After 6 months, with a penalty: interest paid at the shorter-tenure rate applicable. Within 6 months, no interest — only principal refund.
What if the quarterly rate changes?
Your rate is locked at the time of deposit. New rates apply only to fresh deposits or renewals.