Post Office Interest Rate Calculator 2023 | Download Post Office FD Interest rate chart (Table), Investment (Savings) & Returns Table in PDF
Post Office Interest rate claculator 2023. Download Post Office Investment and Returns Claculator 2023 in PDF.
Post office investment Schemes |
Postal Rate of Interest in % |
Minimum/Maximum Deposit Amount in Rs. |
Post Office Returns in Rs. (Approximately) |
Post Office Savings Bank Facilities |
SB Account (SB) |
4% |
Min Rs.500 Max No limit |
No maturity period. Every year Interest will be paid as per their savings. |
Mobile Banking, Internet Banking, NEFT (IFSC:IPOS0000DOP), ATM facilities available. Can withdraw from bank ATM also. Interest up to Rs.10000 tax free |
RD Account (RD) 5Years |
5.8% |
Monthly Min Rs.100. Multiples of Rs.10/- Maximum No Limit |
For Monthly Rs.1,000 investment, total deposit Rs.60000, Maturity amount is Rs.69697. |
Monthly Recurring Deposit. After 3 years Premature closure is allowed with SB interest. After one year Loan is admissible @ 50% savings. |
Monthly Income Scheme (MIS) 5 Years |
7.1% Monthly and paid |
Min.Rs.1000/-Multiples of Rs.1000/- Maximum Rs.4.5 lakh for single Rs.9 lakhs for joint |
For Rs.1,00,000/- Monthly interest Rs.591. Total Maturity value Rs.1,35,500. |
Monthly interest can be withdrawn. Premature closure is allowed after 1 year 2% deduction and after 3 years 1% deduction |
1 Year Time Deposit (Fixed deposit) |
6.6% |
Min Rs.1000/- Multiples of Rs.100/ Maximum No limit |
For Rs.1,00,000 investment Maturity amount Rs.1,06,765. |
Can be closed prematurely after 6 months with SB interest. If 2yr TD closed after 1 yr, then 1 yr TD interest – 2%. If 3yr TD closed after 2 yr, then 2 yr TD interest – 2%. If 5yr TD closed after 3 yrs, then 3 yr TD interest –2%. For any part of a year SB Interest |
2 Years Time Deposit (Fixed deposit) |
6.8% |
For Rs. 1,00,000 investment Maturity amount Rs.1,13,950. Yearly interest Rs.6975 |
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3 Years Time Deposit (Fixed deposit) |
6.9% |
For Rs. 1,00,000 investment Maturity amount Rs.1,21,243 Yearly interest Rs.7081 |
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5 Years Time Deposit (Fixed deposit) |
7.0% |
For Rs.1,00,000 Investment Maturity amount Rs.1,35,930. Yearly interest Rs.7186/ |
In addition to above premature closures, Can claim IT exemption under 80C |
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Senior Citizen Scheme (5 years) |
8.0% |
Minimum Rs.1000/- Multiples of Rs.1000/- Maximum Rs.15 lakhs |
For Rs.1lakh Rs.2000 interest for every 3 months. Maturity value Rs.1,40,000. Can be closed prematurely <1 year, no interest, 1 to 2yrs 1.5%, after 2 to 5 yrs 1% deduction |
For retired defense personnels, age 50 & Above, Retired Other Superannuation personnels, age 55 & above other citizens age 60 and above can open SCS A/Cs. Can claim IT exemption under 80c. Interest Upto Rs.50000 tax free |
Sukanya Samridhi Account (21 years) For girl child below 10 years age |
7.6% |
A/C opening Minimum Rs.250/- Deposit Multiples of Rs.50. For Financial Year Min. Rs.250/- Maximum Rs.1.5 lakhs |
If monthly contribution is Rs1000/ for 15 years total contribution is 1,80,000/- Maturity value would be approximately Rs515900. for 7.6% interest after 21 years period. NEFT (IFSC:IPOS0000DOP) |
Depositing period 15 years. Maturity period 21 years or else before marriage. Can withdraw 50% amount after 10std of girl child studies. New scheme launched by the Govt of India, to the welfare of girl children. Can claim IT exemption under 80c |
PPF Period15 years, can be opened for boy child also |
7.1% |
Minimum Rs.500/- Deposit Multiples of Rs.50. Maximum Rs.1.5 lakhs for the F.Y |
If monthly contribution is Rs1,000/ for 15 years total contribution is 1,80,000/- Maturity amount is Rs.3,15,572.(approx)for 7.1% interest |
NEFT (IFSC:IPOS0000DOP) For recurring Savings and Can claim IT exemption under 80c |
Kisan Vikas Patra
(KVP) 10yrs |
7.2% |
Minimum Rs.1000/ Multiples of Rs.100/- Maximum No limit |
For 1lakh investment, maturity Rs.2 Lakhs. |
Investment will be doubled in 120 months |
National Savings Certificate (NSC) 5 years |
7.0% |
Minimum Rs.1000/ Multiples of Rs.100/- Maximum No limit |
For Rs.1,00,000 Maturity amount Rs.1,40,255. |
For fixed deposit. Can Claim IT exemption under 80C |