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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Monthly interest can be withdrawn.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

3 Years Time Deposit

(Fixed deposit)

 

6.9%

For Rs. 1,00,000

investment Maturity

amount Rs.1,21,243 Yearly interest Rs.7081

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

 

 

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



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