Mrs A invest Rs 5 lakh in 5-year post office time deposits (POTD) on April 1, 2021 at rate of 6.7% per annum. She will receive annual interest of Rs 34,351 every year for the next five years. However, after the completion of three years (say on April 2, 2024), she breaks her POTD to meet financial emergency. Due to premature withdrawal, she receives Rs 4,50,140 from the post office. She faces an interest loss of 48%, as per current rules. The