ost Office RD – Scheme Overview

The Post Office RD is a 5-year recurring deposit scheme offered by India Post. It allows individuals to deposit a fixed amount every month and earn compound interest (compounded quarterly).

🔑 Key Features:

• Tenure: 5 Years (60 months)

• Monthly Deposit: ₹100 minimum (no upper limit, but multiples of ₹10)

• Interest Rate: Currently 6.7% per annum (as of July 2025)

• Compounding: Quarterly

• Risk: Virtually zero risk – backed by the Government of India

• Taxation: Interest is taxable as per slab; no TDS deduction

🧮 How Much Will You Get If You Invest ₹10,000 per Month for 5 Years?

Let’s break it down using the current 6.7% interest rate compounded quarterly.

✅ So, by investing ₹10,000/month for 5 years, you will receive around ₹7.07 lakh at maturity.


 

Why Choose Post Office RD?

• 💼 Perfect for disciplined monthly saving

• 🛡️ Safe investment – Government-backed

• 🧾 No market risk or fluctuation

• 🔁 Automatic deductions available through post office or bank

• 🔓 Loan facility available up to 50% of deposit after 1 year

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📝 How to Open a Post Office RD Account?

You can open a Post Office RD by visiting any post office or through India Post Payments Bank (IPPB) mobile app.

Documents Required:

• Aadhaar Card

• PAN Card

• Passport-size photograph

• Initial deposit amount (₹500 or more)

• Account opening form (can be filled offline or online)