What is Post Office Time Deposit?

A government-backed FD by India Post available for 1, 2, 3 or 5 year tenures, with quarterly compounding and interest paid annually.

Is Post Office FD safer than bank FD?

Both are safe. Post office deposits carry sovereign backing; bank FDs are insured up to ₹5 lakh by DICGC.

Yes — only the 5-year Time Deposit qualifies for Section 80C deduction up to ₹1.5L.

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Plan your post office time deposit returns.

Reviewed by Nisha SLast verified 6 Sept 2026RBI-compliantFact-check policy

Deposit Amount₹1,00,000

₹1K₹1Cr

Interest Rate %7.5%

5%10%

Tenure5 yrs

Invested₹1,00,000

Interest₹44,995

Maturity₹1,44,995

Compare rates across 50+ banks.

Personalised plan in 60 seconds.

Post Office Time Deposit offers safe, government-backed FD returns with quarterly compounding.

M = P × (1 + r/4)^(4n)

Everything you need to know about the Post Office FD Calculator.

Results are illustrative estimates for planning. Actual figures depend on bank/AMC terms, taxes and market conditions.