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Book FDs at Interest rate upto 8.00% p.a
Post Office FD calculator (PO FD Calculator), also known as National Savings Time Deposit Account Calculator, calculates the maturity value and interest amount for different fixed deposit amounts and tenures. Individuals can fill in the principal amount, FD tenure and applicable Post Office FD interest rates in the Post Office FD calculator to calculate maturity amount and interest income.
Book FDs at Interest rate upto 8.00% p.a
Manage all FDs in one place
No Bank A/C Required
How to Use Paisabazaar’s FD Calculator
Individuals can use Paisabazaar’s FD calculator in the following steps:
- Fill in the amount, FD tenure and FD interest rates
- Click on “Calculate”
- You will obtain the FD maturity amount and interest amount earned
The maturity value depends on the tenure of the deposit, amount, Post Office FD interest rates and type of FD chosen, i.e., National Savings Time Deposit Account and National Savings Monthly Income Account.
In case of National Savings Time Deposit Account, the FD interest is compounded quarterly and is credited annually to the savings account of the depositor at his option.
Under National Savings Monthly Income Account Post Office offers monthly interest pay-out option to its depositors to manage their daily expenses. This account can be opened for tenure of 5 years with a minimum deposit of Rs 1,000.
Explore Investment Options
| Bonds | Types of Bonds | Bonds vs FD |
| Corporate Bonds | Tax Free Bonds | Capital Gain Bonds |
| Government Bonds | Zero Coupon Bonds | Floating Rate Bonds |
Post Office Fixed Deposit Interest Rates – 2026
Post Office FD Interest Rates w.e.f. 1st October 2025 to 31st December 2025
| Highest Slab Rate | 7.50% p.a. (for 5 years) |
| For 1 year | 6.90% p.a. |
| For 2 years | 7.00% p.a. |
| For 3 years | 7.10% p.a. |
| For 5 years (including tax-saving FD) | 7.50% p.a. |
Note: Interest rates as of 2 January 2026
Comparison of Top 20 Scheduled Banks based on FD Rates
Banks | Highest FD rate (% p.a.) | 1-year FD rate (% p.a.) | 3-year FD rate (% p.a.) | 5-year FD rate (% p.a.) | Additional interest rate for senior citizens (% p.a.) |
| Suryoday Small Finance Bank | 8.00 | 7.25 | 7.25 | 8.00 | 0.20 |
| Jana Small Finance Bank | 7.77 | 7.00 | 7.50 | 7.77 | 0.50 |
| ESAF Small Finance Bank | 7.60 | 4.75 | 6.00 | 5.75 | 0.50 |
| Utkarsh Small Finance Bank | 7.50 | 6.00 | 7.50 | 7.00 | 0.50 |
| Ujjivan Small Finance Bank | 7.45 | 7.25 | 7.20 | 7.20 | 0.50 |
| Equitas Small Finance Bank | 7.30 | 7.00 | 7.00 | 7.00 | 0.50 |
| Shivalik Small Finance Bank | 7.30 | 6.00 | 7.00 | 6.50 | 0.50 |
| Bandhan Bank | 7.20 | 7.00 | 7.00 | 5.85 | 0.50-0.75 |
| DCB Bank | 7.15 | 6.90 | 7.00 | 7.00 | 0.25-0.50 |
| RBL Bank | 7.20 | 7.00 | 7.20 | 6.70 | 0.50 |
| Capital Small Finance Bank | 7.15 | 7.00 | 7.00 | 6.90 | 0.50 |
| SBM Bank | 7.30 | 7.00 | 7.10 | 7.00 | 0.50 |
| AU Small Finance Bank | 7.10 | 6.35 | 7.10 | 6.75 | 0.50 |
| Central Bank of India | 6.75 | 6.40 | 6.25 | 6.25 | 0.50 |
| YES Bank | 7.00 | 6.65 | 7.00 | 6.75 | 0.50-0.75 |
| Induslnd Bank | 7.00 | 6.75 | 6.90 | 6.65 | 0.50 |
| Unity Small Finance Bank | 6.75 | 6.50 | 6.75 | 6.75 | 0.50 |
| Federal Bank | 6.75 | 6.25 | 6.75 | 6.50 | 0.50 |
| Bank of India | 6.70 | 6.25 | 6.25 | 6.00 | 0.50 |
Benefits of using Post Office FD Calculator
Free of Cost
PO FD Calculator is free of cost, hence, can be used a number of times for analysing and comparing returns for various combinations of tenure, principal amount and Post Office FD interest rates.
Know Your Returns in Advance
Post Office FD Calculator gives a rough idea of your earnings from your fixed deposit, even before opening the FD account. This helps you in making an informed financial decision taking into account your liquidity and cash flow requirements.
Time Saving
Manually calculating the maturity value can be time consuming and increases the chances of errors. Online FD calculator is automated that saves time and reduces the probability of calculation mistakes.