Post Office FD Calculator India — NSC, KVP & Time Deposit
Fixed Deposit Maturity · Bank Comparison · Tax Impact · Senior Citizen Rates
Post Office schemes are government-backed instruments — no DICGC cap, no bank default risk. Post Office Time Deposit (POTD) rates for 2025: 1yr 6.9%, 2yr 7.0%, 3yr 7.1%, 5yr 7.5%. National Savings Certificate (NSC) at 7.7% (5yr, 80C eligible). Kisan Vikas Patra doubles money in 9yr 7mo at 7.5%. These are among the safest investments in India — calculate your returns here.
🏦 Fixed Deposit Calculator
📅 Interest Payout Schedule
| Quarter | Period | Interest Payout | Cumulative Interest | Balance |
|---|---|---|---|---|
| Q1 | Jun 2026 | ₹8,875 | ₹8,875 | ₹5,08,875 |
| Q2 | Sept 2026 | ₹9,033 | ₹17,908 | ₹5,17,908 |
| Q3 | Dec 2026 | ₹9,193 | ₹27,100 | ₹5,27,100 |
| Q4 | Mar 2027 | ₹9,356 | ₹36,456 | ₹5,36,456 |
| Q5 | Jun 2027 | ₹9,522 | ₹45,979 | ₹5,45,979 |
| Q6 | Sept 2027 | ₹9,691 | ₹55,670 | ₹5,55,670 |
| Q7 | Dec 2027 | ₹9,863 | ₹65,533 | ₹5,65,533 |
| Q8 | Mar 2028 | ₹10,038 | ₹75,571 | ₹5,75,571 |
| Q9 | Jun 2028 | ₹10,216 | ₹85,787 | ₹5,85,787 |
| Q10 | Sept 2028 | ₹10,398 | ₹96,185 | ₹5,96,185 |
| Q11 | Dec 2028 | ₹10,582 | ₹1,06,767 | ₹6,06,767 |
| Q12 | Mar 2029 | ₹10,770 | ₹1,17,538 | ₹6,17,538 |
📐 How FD Returns Are Calculated
Compound Interest Formula (Quarterly):
📖 Example Calculation
Deposit: ₹5,00,000 | Rate: 7.1% p.a. | Period: 3 years | Quarterly compounding
💼 Real Life Use Case
₹25L FD @ 7.5% → Monthly interest ₹15,625 as pension supplement
₹5L FD for 3 yrs @ 7.1% → ₹6.23L ready for property purchase
₹8L FD for 5 yrs @ 7.5% → ₹11.5L for child's college fees
6-month expenses in FD — safe, insured, earns more than savings
Frequently Asked Questions
What are current Post Office FD interest rates in 2025?
POTD rates 2025 (Q1): 1-year: 6.9%, 2-year: 7.0%, 3-year: 7.1%, 5-year: 7.5%. NSC: 7.7% (5yr). KVP: 7.5% (matures in 115 months / ~9yr 7mo). SCSS: 8.2% (5yr, senior citizens only, max ₹30L). These rates are reviewed quarterly by government. Generally stable for 2–3 quarters.
Is Post Office FD better than bank FD?
Post Office: sovereign guarantee (safer than DICGC ₹5L cap), generally 0.2–0.5% lower than top private bank rates. Best for: large corpus (above ₹5L), risk-averse investors, senior citizens (SCSS 8.2%). Bank FD: more convenient, better digital access, higher rates (SFBs 9%+) but risk of bank failure.
Can I get tax benefit on Post Office FD?
5-year POTD qualifies for Section 80C deduction (up to ₹1.5L). NSC also qualifies for 80C on investment. NSC interest is deemed reinvested and also qualifies for 80C annually (except last year). KVP and 1/2/3-year POTD do NOT qualify for 80C. All Post Office interest is taxable.
Can NRIs invest in Post Office schemes?
No — Post Office savings schemes are only for resident Indians. NRIs can invest via NRE/NRO FDs in banks (HDFC, SBI, ICICI offer NRI FDs). NRE FD interest is tax-free in India. NRO FD interest is taxable at 30% (TDS deducted). Returning NRIs should convert status within 6 months.
📌 Key Takeaways
- ✅ FD calculator India helps compare bank rates and compute exact maturity amount
- ✅ Quarterly compounding gives higher returns than simple interest or monthly payout FDs
- ✅ Senior citizens get 0.25–0.50% extra interest on FD across most banks
- ✅ FD interest is taxable — TDS @ 10% deducted if interest exceeds ₹40,000/year
- ✅ DICGC insures deposits up to ₹5 lakh per depositor per bank
- ✅ FD Ladder strategy gives both liquidity and better returns than single FD
- ✅ Tax-saving FD under 80C: 5-year lock-in, max ₹1.5L deduction per year