Post Office Time Deposit (POTD) Calculator

Calculate the maturity value and interest earned on Indian Post Office Time Deposits (POTD).

Inputs

Principal Amount (₹)

1,0001,00,00,000

Interest Rate (% p.a.)

115

Tenure (Years)

Calculation Results

Total Amount Invested

₹1,00,000

Interest Earned

₹44,995

Maturity Value

₹1,44,995

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Formula & Mathematical Explanation

\displaystyle A = P \left(1 + \frac{r}{4}\right)^{4t}

Post office time deposits compound interest quarterly (n=4) and credit it annually, paying the final maturity balance (A) at the end of the tenure (t).