Central Govt5yr = 80C BenefitQ4 FY2025-26
Post Office FD Calculator 2026: time deposit returns
1 to 5 year FDs, safer than a bank with comparable rates. The 5-year TD also qualifies for Section 80C.
⚠️ These rates are for Q4 FY2025-26 (valid till 2026-03-31). For the latest rates see India Post or the Ministry of Finance.
Post Office FD vs bank FD
The Post Office TD is 100% government guaranteed, while bank FDs are covered by DICGC only up to Rs. 5 lakh. Options of 1, 2, 3 and 5 years. The 5-year TD qualifies for 80C.
Key rules
- Minimum Rs. 1,000
- 1, 2, 3 or 5 year options
- Section 80C on the 5-year TD
- Interest taxable (TDS applicable)
- 100% government guaranteed
- Premature withdrawal after 6 months (with penalty)
Frequently asked questions
Post Office FD vs bank FD?
PO FD is 100% government guaranteed; bank FDs are covered by DICGC up to Rs. 5 lakh. Rates are comparable. Choose PO FD for maximum safety.
Which duration gives a tax benefit?
Only the 5-year TD qualifies for the Section 80C deduction. 1 to 3 year deposits have no tax benefit.
More calculators
Source: Ministry of Finance / India Post, rates Q4 FY2025-26, subject to quarterly revision. Results are indicative; confirm final figures with your bank or post office.