India Post (Post Office) FD Calculator 2026 — Current Interest Rates & Maturity Value
India Post (Post Office) currently offers FD interest rates starting from 7.5% p.a. for regular depositors and 7.5% for senior citizens (May 2026). A ₹5 Lakh deposit for 5 years matures to approximately ₹7.25 L (regular) or ₹7.25 L (senior). Use the calculator below to check maturity for your specific amount and tenure.
Last updated: 24 May 2026, 10:00 AM IST
Maturity Amount
₹7.25 L
at 7.5% for 5 years (quarterly compounding) at India Post (Post Office)
India Post (Post Office) — FD Details
Regular Rate
7.5% p.a.
Senior Citizen Rate
7.5% p.a.
TDS on FD Interest
TDS rules apply same as banks: 10% TDS on interest exceeding ₹40,000/year. However, many post office FDs escape TDS in practice for amounts below threshold. 5-year FD qualifies for 80C deduction.
Premature Withdrawal
Premature withdrawal after 6 months (vs 7 days at banks). Penalty: 2% for 6mo–1yr, 1% for 1yr+. No premature withdrawal allowed before 6 months. 5-year tax-saver cannot be broken early.
Minimum Deposit
₹1,000, multiples of ₹100. No maximum limit.
Special Scheme
Post Office Time Deposit offers government-guaranteed returns. 5-year TD qualifies for Section 80C deduction like tax-saver FDs.
India Post (Post Office) FD — Rates, TDS & Withdrawal Rules
A depositor places ₹5 Lakh in a India Post (Post Office) FD at 7.5% for 5 years with quarterly compounding. The maturity amount is ₹7.25 L, earning ₹2.25 L in interest. For a senior citizen at 7.5%, the same deposit matures to ₹7.25 L — an extra ₹0 benefit. India Post (Post Office)'s minimum deposit is ₹1,000, multiples of ₹100. No maximum limit.. On premature withdrawal: premature withdrawal after 6 months (vs 7 days at banks). Penalty: 2% for 6mo–1yr, 1% for 1yr+. No premature withdrawal allowed before 6 months. 5-year tax-saver cannot be broken early. Regarding TDS: tDS rules apply same as banks: 10% TDS on interest exceeding ₹40,000/year. However, many post office FDs escape TDS in practice for amounts below threshold. 5-year FD qualifies for 80C deduction. India Post (Post Office) also offers: Post Office Time Deposit offers government-guaranteed returns. 5-year TD qualifies for Section 80C deduction like tax-saver FDs. Always compare rates across tenures — the highest rate may be for a specific tenure (e.g., 1–2 years) rather than the standard 5-year term.
Data Sources
- RBI — Master Direction on Interest Rates (2026) — www.rbi.org.in
- Bank Websites — Latest FD Rates (May 2026) — www.rbi.org.in
- Income Tax Act — TDS on FD Interest (2025) — incometaxindia.gov.in
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Important: This calculator provides estimates based on the inputs and assumptions you provide. Results are mathematical projections, not financial advice or recommendations. Actual outcomes will vary based on market conditions, policy changes, individual circumstances, and factors not captured by this tool. Verify all figures independently and consult qualified professionals before making financial decisions.
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Founding Partner at Tykhe Ventures ($20M AUM, early-stage investing) and Founder of Kompella Technologies, which provides fractional CTO/CPO services to funded startups. NISM XIX-C certified. Built RupayWise because the financial tools available in India were either oversimplified or designed to sell you a product — not help you decide.
Frequently Asked Questions
What is India Post (Post Office) FD interest rate 2026?
India Post (Post Office) offers FD rates of 7.5% for regular depositors and 7.5% for senior citizens (as of May 2026). Rates vary by tenure — check the rate slab on our FD rates page.
What is the maturity of ₹5 Lakh FD in India Post (Post Office)?
At 7.5% for 5 years (quarterly compounding), ₹5 Lakh matures to approximately ₹7.25 L. Senior citizens at 7.5% get ₹7.25 L.
What is the premature withdrawal penalty at India Post (Post Office)?
Premature withdrawal after 6 months (vs 7 days at banks). Penalty: 2% for 6mo–1yr, 1% for 1yr+. No premature withdrawal allowed before 6 months. 5-year tax-saver cannot be broken early.
How is TDS calculated on India Post (Post Office) FD?
TDS rules apply same as banks: 10% TDS on interest exceeding ₹40,000/year. However, many post office FDs escape TDS in practice for amounts below threshold. 5-year FD qualifies for 80C deduction.
What is the minimum FD amount at India Post (Post Office)?
The minimum FD amount at India Post (Post Office) is ₹1,000, multiples of ₹100. No maximum limit.. Special schemes: Post Office Time Deposit offers government-guaranteed returns. 5-year TD qualifies for Section 80C deduction like tax-saver FDs.
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Disclaimer
This calculator provides estimates based on the interest rates and tenure shown. Actual maturity may vary based on the bank's specific compounding method and any rate revisions during the tenure. Bank rates are sourced from public data and may not reflect the latest changes — always confirm with your bank before investing. TDS is deducted at source if applicable. This is not financial advice. RupayWise is not a deposit broker or financial advisor.