PO Fixed Deposit: Know the tips to use the calculator before making a fixed deposit, you will benefit

PO Fixed Deposit: Post Office Fixed Deposit (PO FD) is a better option for safe investment, where you get interest ranging from 6.9% to 7.5%. In this, senior citizens get the benefit of higher returns and income tax exemption on 5-year FD. With the Post Office FD calculator, you can easily estimate the maturity amount by entering the investment amount, period and interest rate. This tool saves time, gives accuracy and makes investment decisions easier.

PO Fixed Deposit: In the era of inflation, people's expenses have increased so much that they do not even think of saving. If money is saved from household expenses, then there is a worry about children's fees. If the children's fees are paid, then the worry of medicines starts bothering. In such a situation, people do not know what they should do so that their children's future can be improved? To address these concerns of the common man, the government has started many savings schemes. Among these savings schemes, the Post Office Fixed Deposit Scheme is one such scheme in which you can invest a small amount or fulfill your needs. By investing in this scheme, your money remains safe and away from market risks. But, if you use the calculator before doing this work, you will always be in profit. Let us know how the Post Office Savings Scheme Fixed Deposit Calculator can be used?

What is Post Office Fixed Deposit?

Post Office FD i.e. Fixed Deposit is a safe investment option, which is run by the Indian Postal Department. It is also called Post Office Time Deposit Account or Post Office Term Deposit Account (POTD). It is an investment made for a fixed time, in which you get fixed interest.

How much return do you get on fixed deposit?

As per the amendment made by the government in the interest rates of savings schemes in June 2025, interest rates on deposits in the post office have been fixed for a period of one year, two years, three years, four years and five years. On making fixed deposits in the post office, the government gives a return of at least 6.9% to 7.5%. In this, senior citizens above 60 years of age get a maximum return of up to 7.5%.

What are the benefits of Post Office Fixed Deposit?

This investment is backed by the Government of India. Therefore, the risk in this is very low. Once the interest rate is fixed, the same return will be available for the entire period, whether the market goes up or down. Many times the interest rates of post office fixed deposits are higher than government and private banks and an account can be opened with just Rs 1,000, which is easy for small traders and rural investors. Also, a 5-year fixed deposit gets a tax exemption of up to Rs 1.5 lakh under Section 80C of the Income Tax Act. If you want, you can choose a period of 1 year, 2 years, 3 years or 5 years as per your financial plan. Post Office Fixed Deposit can be transferred from one branch to another. This facility is especially useful in rural areas. While opening a fixed deposit, you can add a nominee so that in case of any untoward incident, the family can easily get the money. Interest is compounded every year (i.e. interest is also received on interest), which leads to higher returns.

What is Post Office FD Calculator?

The Post Office Fixed Deposit Calculator is an online tool designed to help you estimate the maturity amount of your fixed deposit investment. This calculator provides an accurate estimate of your returns by entering information such as deposit amount, period and applicable interest rate. This tool simplifies the process, allowing you to plan your finances effectively.

Know how the calculator works?

The calculator uses the compound interest formula to determine your returns:

The principal is the initial amount invested.

The interest rate is the annual interest rate.

n is the number of years for which the money is invested.

For example, if you invest an amount of Rs 1,00,000 at an interest rate of 7.5% per annum for 5 years, you will get approximately Rs 1,47,145 on maturity.

Benefits of using post office fixed deposit

There are many benefits of using the post office calculator.

Time saving: You can instantly find out how much return you will get without any manual calculation.

Accuracy: You get accurate estimates based on current interest rates.

Helpful in comparison: You can compare different periods and interest rates, so that you can make a wise investment decision.

How to use Post Office Fixed Deposit Calculator?

There are very simple tips to use the Post Office Fixed Deposit Calculator, which can be followed to benefit from it.

Visit a reliable financial website where this tool is available.

Enter your investment amount (e.g. Rs 10,000 to Rs 1 lakh).

Select the fixed deposit tenure from 1 year to 5 years.

Enter the applicable interest rate (e.g. 7.5% for a 5-year fixed deposit).

Click on the ‘Calculate’ button and your estimated maturity amount will appear on the screen.

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