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Post Office Time Deposit Calculator

Calculate maturity of a Post Office Time Deposit for 1, 2, 3 or 5-year tenures with quarterly compounding.

Inputs

INR

India Post minimum is ₹1,000 (multiples of ₹100).

%

Govt-notified Post Office TD rate. Varies by tenure.

Result

Maturity Value

₹107,080.60

After 1 year at 6.9% (quarterly compounding)

Total Interest₹7,080.60
Principal₹100,000.00

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Formula

Formula (quarterly compounding): A = P × (1 + r / 4)^(4 × t) Variable definitions: • A = Maturity amount (INR) • P = Principal deposit (INR) • r = Annual interest rate in decimal • t = Tenure in years

How it works

The Post Office Time Deposit (TD) is a Govt-backed fixed deposit operated by India Post and offered for 1, 2, 3 or 5-year tenures with quarterly compounding.

Example

Example: Example: ₹1,00,000 in a 1-year Time Deposit at 6.9%. A = 1,00,000 × (1 + 0.069/4)^(4×1) A = 1,00,000 × (1.01725)^4 A ≈ ₹1,07,081. Interest earned ≈ ₹7,081.

Frequently Asked Questions

Disclaimer: Results are estimates for informational purposes only and should not be considered financial, medical, legal, or professional advice. Always consult a qualified professional before making decisions.