Earn interest rates upto 6.75% p.a | Invest in Bajaj Finance FD to earn additional 0.10% interest on online deposits.

Post Office FD Calculator

The Post Office Fixed Deposit is one of the oldest forms of investment that are offered by the Indian Postal Services. This FD is similar to that provided by a bank, wherein you deposit money for a fixed tenor and gain fixed returns on them. The post office FD has a tenor of 1, 2, 3, and 5 years. Many individuals consider the post office FD to be a safe investment option as the government provides security over the investments. 

Post Office Fixed Deposit Calculator

A post office fixed deposit (FD) calculator is a great tool that helps you calculate how much your maturity amount would be based on a few input factors. You will be asked to enter the amount you wish to invest in the fixed deposit. Based on your choice, choose how frequently you would want your principal amount to be compounded. 

The maturity value is calculated using the formula below:

Maturity Value = Principal * (1+ Interest Rate/4)^(n*4)

To calculate the interest rate, follow these steps:

Step 1: Decide the amount you would like to accumulate during the maturity of the FD.

Step 2: Gauge your payment capacity and decide the principal amount that you can invest, including the tenor.

Step 3: Finally, plug in these values into the above-mentioned formula to calculate the interest rate.

How to Calculate Interest on the FD Calculator?

Calculating the interest through the Post Office Fixed Deposit calculator is very simple and can be done by following these four simple steps:

Step 1: Decide the principal amount you can invest considering all your financial liabilities.

Step 2: Based on your financial health, decide the period of time in which you would be flexible to continue investing. You can choose a time period from the 4 tenors available: 1 year, 2 years, 3 years, and 5 years.

Step 3: Decide the maturity amount that you would like to accumulate.

Step 4: Once you enter all these values into the FD calculator , you can calculate the FD interest rate. Such online post office FD calculators can save you from the trouble of manual computation and also prevent human error. 

Benefits of Using a Post FD Calculator

With the India post FD calculator, you will be able to gain deep insight on how much you have to invest to gain the wealth you desire. Here are some key benefits of using the postal FD calculator:

1. No Errors

As this is an automated calculator, there is no scope for any computational or human errors.

2. Free of Cost

The post office FD calculator helps you calculate the maturity amount for free without having to pay a penny.

3. Flexible Inputs

You can compare your maturity amount for different principal amounts, rate of interest, and tenor to make a decision that suits you best. 

With the India post FD calculator, you will be able to gain deep insight on how much you have to invest to gain the wealth you desire. Here are some key benefits of using the postal FD calculator:

Post Office FD vs Bajaj Finance FD


Post office FD

Bajaj Finance FD


Can withdraw along with interest rate only after 6 months and with a penalty of 1%

Can withdraw after 3 months without any penalty. You may incur a loss in terms of earned interest

Interest Rates

Maximum interest rate of 5.7%

Bajaj Finance FD offers interest rates up to 6.75%

Easy Accessibility

Usually requires paperwork and does not offer online support

Several online features available. Documents can be uploaded or also picked up from your doorstep


Post office FD offers tenor of 1, 2, 3, and 5 years

Bajaj Finance FD is more flexible with plans ranging from 12 to 60 months

Why choose a Bajaj Finance FD?

Many individuals invest in a post office FD as it is one of the oldest forms of investment offered by the Indian Postal Service. While they may be considered a safe option, the post office FD has a lower interest rate and has a less flexible tenor compared to a Bajaj Finance FD. You can check Bajaj Finance FD interest rates and apply on Finserv MARKETS for a Bajaj Finance FD.


  • ✔️Is there a minimum investment to be made to start a post office FD using a post office fixed deposit calculator?

    Yes, you will need to make a minimum investment of ₹1,000 to start a post office FD. 

  • ✔️Can I withdraw my deposit after using a postal FD calculator before the maturity period?

    Yes, after the completion of 6 months, you can withdraw your principal amount along with the interest before the end of your tenor.

  • ✔️Will the earnings I make from FD deposits be taxable?

    Yes, the income you earn from the interest on Post Office FDs is taxable.

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