Time Deposit (TD)
Post office TD calculator
A post office Time Deposit is a fixed deposit for 1, 2, 3 or 5 years. Interest is worked out every quarter and paid once a year; the amount comes back at maturity.
Interest every year
₹7,713.59
- Interest rate
- 7.5% a year
- Matures in
- October 2031
- Total interest
- ₹38,567.95
- Amount + interest
- ₹1,38,567.95
Agent commission (0.5%) ₹500
For post office agents
Every TD, MIS, NSC and KVP of your customers, in one app
RD Agent’s Small Savings (SAS) records each investment, warns you before it matures, shows the interest due this week and the commission you earn — right next to your RD collection.
- Maturity and interest alerts
- Commission expected, received and due
- Families, nominees and joint holders
- Your customers imported from Excel
Time Deposit (TD) interest rate by date
| Invested from | 1 year | 2 years | 3 years | 5 years |
|---|---|---|---|---|
| 1 January 2024 | 6.9% | 7% | 7.1% | 7.5% |
| 1 July 2023 | 6.9% | 7% | 7% | 7.5% |
| 1 April 2023 | 6.8% | 6.9% | 7% | 7.5% |
| 1 January 2023 | 6.6% | 6.8% | 6.9% | 7% |
| 1 October 2022 | 5.5% | 5.7% | 5.8% | 6.7% |
| 1 April 2020 | 5.5% | 5.5% | 5.5% | 6.7% |
| 1 July 2019 | 6.9% | 6.9% | 6.9% | 7.7% |
| 1 January 2019 | 7% | 7% | 7% | 7.8% |
| 1 October 2018 | 6.9% | 7% | 7.2% | 7.8% |
| 1 January 2018 | 6.6% | 6.7% | 6.9% | 7.4% |
| 1 July 2017 | 6.8% | 6.9% | 7.1% | 7.6% |
| 1 April 2017 | 6.9% | 7% | 7.2% | 7.7% |
| 1 October 2016 | 6.9% | 7.1% | 7.3% | 7.8% |
| 1 April 2016 | 7.1% | 7.2% | 7.4% | 7.9% |
Rates as notified by the Ministry of Finance (National Savings Institute). The rate of the day of investment stays for the whole term.
Questions people ask
What is the post office TD interest rate now?
1 year 6.9%, 2 years 7%, 3 years 7.1% and 5 years 7.5% a year, for deposits made now.
How is TD interest paid?
It is worked out every quarter and paid once a year. The amount itself comes back at maturity.
How much does ₹1,00,000 earn in a 5-year TD?
At 7.5%, about ₹7,713.59 every year, ₹38,567.95 in 5 years.
More post office calculators
An estimate: the post office’s own figures are final. This is not an India Post website.