Post Office FD Calculator (Time Deposit)

Calculate returns on 100% Government-backed Post Office Fixed Deposits. Unlike bank FDs, there is no Rs 5L DICGC insurance cap — your full amount is secured by the Government of India.

＋Equis / Investment Analytics
Tenure
Principal Amount
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ASSET

Investment Report

Total Invested₹1,00,000
Returns / Interest Earned₹23,508
Post Office FD Maturity₹1,23,508

EQUIS Take (Asli Sach)

Bank FDs mein sirf ₹5 Lakh tak ka DICGC insurance milta hai. Post Office FD Government of India se backed hai, yani

100% principal aur interest poori tarah surakshit hai.

The Math Behind Post Office FD Calculator (Time Deposit)

Understanding the true mechanics of this instrument helps you make optimal decisions with your money.

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1. 100% Government Backed (No ₹5L Cap)

Post Office FDs are directly backed by the Government of India — unlike bank FDs which are insured only up to ₹5 Lakhs under DICGC. Ideal for large, safe deposits.

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2. 5-Year FD Qualifies for 80C

Only the 5-year Post Office Time Deposit qualifies for Section 80C deduction (up to ₹1.5L). This makes it a tax-efficient, completely safe alternative to tax-saver bank FDs or ELSS for risk-averse investors.

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3. Interest Taxable — Declare in ITR

Interest earned on Post Office FDs is taxable as 'Income from Other Sources.' Unlike banks, Post Offices do NOT deduct TDS. You must proactively declare this income annually in your Income Tax Return.

Frequently Asked Questions

Is Post Office FD safer than bank FD?expand_more
Yes. Post Office FDs are backed by the Government of India, providing 100% capital protection with no upper limit. Bank FDs are insured only up to ₹5 Lakhs per depositor per bank under DICGC.
Does 5-year Post Office FD qualify for Section 80C?expand_more
Yes, the 5-year Post Office Time Deposit qualifies for Section 80C deduction up to ₹1.5 Lakhs per year — making it a tax-efficient alternative to tax-saver bank FDs with additional sovereign safety.