Post Office RD Interest Rate History
| Year | Interest Rate (%) |
|---|---|
| 2020 | 5.8% |
| 2021 | 5.8% |
| 2022 | 5.8% |
| 2023 | 6.5% |
| 2024 | 6.7% |
| 2025 | 6.7% |
Post Office RD Calculator – India Recurring Deposit Maturity Tool
The Post Office Recurring Deposit (RD) Calculator helps you estimate your maturity amount, total interest earned, and total investment over a chosen tenure. The Indian Post Office RD scheme is one of the safest government-backed savings options available for conservative investors.
What is Post Office RD?
Post Office Recurring Deposit allows individuals to invest a fixed amount every month and earn interest compounded quarterly. It is ideal for disciplined monthly savings with guaranteed returns.
How RD Interest is Calculated
Post Office RD uses quarterly compounding. The interest is calculated using this principle:
Maturity = Monthly Deposit × (Compounded Quarterly Growth for Each Installment)
Each monthly installment earns interest for the remaining tenure.
Key Features of Post Office RD (India)
- Minimum ₹100 monthly deposit
- 5-year tenure (extendable)
- Quarterly compounding
- Government-backed security
- Loan facility available
Example Calculation
If you deposit ₹5,000 monthly for 5 years at 6.7% interest, your total maturity can exceed ₹3.5+ lakhs depending on compounding.
Benefits of Using RD Calculator
- Instant maturity calculation
- Accurate quarterly compounding logic
- Plan savings goals effectively
- Compare different interest scenarios
Who Should Invest in Post Office RD?
- Salaried individuals
- Risk-averse investors
- Parents saving for child education
- Individuals planning medium-term goals
Important Notes
Interest rates are revised periodically by the Government of India. Always verify the current rate before investing.
RD vs Bank RD
Post Office RD offers sovereign guarantee, making it safer than most private banks.
Taxation
Interest earned is taxable as per your income tax slab.
Tips to Maximize Returns
- Invest higher monthly amount early
- Avoid missing installments
- Extend RD after maturity