The scheme:
Post office Recurring Deposit (RD)
is a safe savings option backed by the government of India, where you invest a fixed amount every month and earn compound interest.
📊 Current Interest Rate (2026 estimate)
- 💰 Interest rate: around 6.7% per annum (compounded quarterly)
- 📅 Tenure: 5 years (60 months)
💵 If you invest ₹10,000 every month
🧮 Total investment:
- ₹10,000 × 60 months = ₹6,00,000
📈 Estimated maturity amount:
With 6.7% interest:
- 💰 Total maturity ≈ ₹7.1 lakh to ₹7.3 lakh
👉 So your profit (interest earned) will be around:
- 📊 ₹1.1 lakh to ₹1.3 lakh
🧠 Why you earn this amount
RD works on:
- 📌 Monthly deposits
- 📈 Quarterly compounding interest
- 🏦 Fixed government-backed returns
This makes it safer but slower-growing compared to mutual funds.
📉 Key features of Post office RD
- ✔️ Guaranteed returns (no market risk)
- ✔️ Minimum ₹100 monthly deposit
- ✔️ Loan facility available after 12 months
- ✔️ Can be extended after maturity
⚠️ Important points
- Premature closure reduces interest
- Returns are fixed, not inflation-adjusted
- Better for safe savings, not high wealth growth
🧾 Conclusion
👉 If you deposit ₹10,000 every month in Post office RD, you will get around ₹7.1–₹7.3 lakh after 5 years, with a safe but moderate return.
Disclaimer:
The views and opinions expressed in this article are those of the author and do not necessarily reflect the official policy or position of any agency, organization, employer, or company. All information provided is for general informational purposes only. While every effort has been made to ensure accuracy, we make no representations or warranties of any kind, express or implied, about the completeness, reliability, or suitability of the information contained herein. Readers are advised to verify facts and seek professional advice where necessary. Any reliance placed on such information is strictly at the reader’s own risk.
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