Post Office RD Calculator
Calculate Post Office Recurring Deposit maturity amount
RD Details
Minimum: ₹100, in multiples of ₹10
Fixed tenure options only
Current rate: 6.7% (Q4 FY 2024-25)
Investment Summary
Total Deposits: 60 months
Compounding: Quarterly
Monthly Investment: ₹5,000
Maturity Amount
₹1.20 L
Total Deposited
₹3.00 L
Interest Earned
₹-1,80,398
Effective Return
-60.13%
Deposits vs Interest
Deposits (250.8%)Interest (-150.8%)
Monthly Commitment
₹5,000
Total Months
60
Year-wise Growth
Year 1₹60,000 deposited
Year 2₹1.20 L deposited
Year 3₹1.80 L deposited
Year 4₹2.40 L deposited
Year 5₹3.00 L deposited
About Post Office RD
Key Features
- Minimum deposit: ₹100/month
- No maximum limit
- Tenure: 5 years (can be extended)
- Interest compounded quarterly
- Can be opened for minors
Rules & Benefits
- Default fee: ₹1 per ₹100 if payment delayed
- Premature closure after 3 years allowed
- Loan facility: Up to 50% after 1 year
- 5-year RD qualifies for 80C deduction
- Interest is taxable at slab rate