Post office Recurring Deposit RD Interest Rate Calculator 2025

Post Office RD Interest Rate 2025

The interest rate for the Post Office RD scheme is revised quarterly by the Ministry of Finance. As of 2025, the interest rate for Post Office RD is expected to be around 6.7% per annum (compounded quarterly). However, investors must check the official website of India Post or visit the nearest post office for the latest updates.

How Does the Post Office RD Interest Rate Calculator Work?

The Post Office RD Interest Calculator helps investors estimate the maturity amount based on their monthly deposit, tenure, and interest rate. It considers the following factors:

1. Monthly Investment Amount: The fixed amount deposited every month.
2. Tenure: The minimum tenure is 5 years (60 months), which can be extended further.
3. Interest Rate: The applicable interest rate (compounded quarterly).

RD Calculation Formula

The maturity amount for Post Office RD is calculated using the formula:

Where:

• M = Maturity amount
• P = Monthly deposit amount
• r = Annual interest rate (in decimal)
• n = Number of times interest is compounded per year (4 for quarterly compounding)
• t = Tenure in years

Example Calculation

Let’s assume an investor deposits ₹5,000 per month in a Post Office RD for 5 years at an interest rate of 6.7% per annum.

Using the RD calculator:

• Monthly deposit (P) = ₹5,000
• Interest rate (r) = 6.7% = 0.067
• Compounded quarterly (n = 4)
• Tenure (t) = 5 years (60 months)

By applying the formula, the estimated maturity amount would be around ₹3,48,000 to ₹3,50,000, including interest.

Benefits of Post Office RD Scheme

1. Guaranteed Returns – Since the scheme is backed by the government, it is risk-free.
2. Quarterly Compounding – Interest is compounded every three months, leading to higher returns.
3. Minimum Deposit Amount – Investors can start with as little as ₹100 per month, making it accessible to all.
4. Tax Benefits – While the interest earned is taxable, TDS is not deducted automatically.
5. Premature Withdrawal – Partial withdrawal is allowed after 3 years, subject to conditions.
6. Flexibility – Investors can extend the RD beyond 5 years for additional savings.

How to Use the Post Office RD Calculator Online?

To calculate your maturity amount using an online RD calculator, follow these steps:

1. Visit the official India Post website or any reliable financial portal.
2. Enter your monthly deposit amount.
3. Choose the tenure (in years or months).
4. Enter the current RD interest rate.
5. Click on Calculate to get the estimated maturity value.