Post Office RD Calculation : Recurring Deposit i.e. RD is a deposit account in which you deposit a fixed amount every month. This amount is deposited for a fixed period. Interest is received on this amount deposited by the investor. When the period of RD is completed, i.e. RD matures, you can withdraw your investment and interest money in lump sum.
Post Office RD Calculation
This Recurring Deposit is a popular way to save money. This also develops your saving habit. Many banks offer RD schemes to their customers. Similarly, the post office also offers an RD scheme.
Post Office RD Interest Rate July–September 2025
India Post offers an RD scheme called National Savings Recurring Deposit Account. This is a 5-year RD scheme. Post Office RD is currently getting 6.7 percent annual interest rate. This is a quarterly compounded interest rate. The government fixes the interest rate of this scheme every three months. There has been no change in the interest rate of small savings schemes for the July to September quarter.
Recurring Deposit Rules and Eligibility
A minimum of Rs 100 per month can be invested in Post Office RD. There is no maximum investment limit. Joint accounts (up to 3 adults) can also be opened in this scheme. Parents can also open an account in the name of a minor. At the same time, a minor above 10 years can also open an account in his own name. Any number of accounts can be opened in this scheme.
Post Office RD Maturity, Extension & Premature Closure Rules
The maturity period of Post Office RD is 5 years (60 months). Investors can extend this period by 5 more years by applying in the post office. During this time, your old interest rate will continue. This extension account can be closed at any time. The RD interest rate will be applicable during the extended years.
The post office savings account interest rate will be applicable in the period which is less than one year. Premature closure of RD account can also be done. You can close this account after 3 years from the date of opening the account. If you do a premature closure of the account even a day before maturity, you will get the interest of a savings account.
Recurring Deposit Loan Facility
After depositing 12 installments and the account completes 1 year, you can take a loan of up to 50 percent of the amount present in the account. You can repay this loan in lump sum or in installments. ‘2% + RD interest rate’ interest will be applicable on this loan. If you do not repay the loan till maturity, the loan and interest will be deducted from the maturity value.
Post Office RD Calculation : Invest ₹14,000 Monthly to ₹23.9 Lakh in 10 Years
If you deposit Rs 14,000 every month in the 5-year RD scheme of the post office, then on maturity you will get Rs 9,99,122 i.e. about 10 lakh rupees. In this, Rs 8,40,000 will be your investment amount and Rs 1,59,122 will be interest income. If you extend this FD account for 5 more years, you will get Rs 23,91,964 on maturity. This includes Rs 16,80,000 of your investment amount and Rs 7,11,964 of interest income.
F&Q – What is the current interest rate of Post Office RD for July–September 2025?
The interest rate for Post Office RD is 6.7% annually, compounded quarterly.
F&Q – What is the maturity period of Post Office RD?
The standard maturity period is 5 years (60 months).
F&Q – minimum and maximum investment in Recurring Deposit?
Minimum: ₹100 per month , Maximum: No upper limit
F&Q – Can I close my Recurring Deposit account before 5 years?
Yes, you can opt for premature closure only after 3 years
Latest Interest Rates of Small Saving Schemes for July–September 2025
