Post Office RD Calculator
What will my Post Office recurring deposit be worth in 5 years?
A Post Office recurring deposit takes a fixed amount every month for 5 years. Interest is compounded every quarter, and each instalment earns only from the month it is paid.
At least Rs 100 a month, in multiples of Rs 10. No upper limit.
6.7% for October to December 2026, set by the Ministry of Finance. Fixed for 5 years once opened.
Maturity value after 5 years
₹3,56,829
Indicative only. Your lender’s figures may differ. Nothing you enter here is sent anywhere or stored.
How It's Calculated
Each monthly instalment earns interest only from the month it is paid, compounded quarterly, for a term fixed at 5 years.
The calculator grows each of the 60 instalments separately and adds them up: the same method as the RD calculator.
Worked Example
If you enter
- Monthly deposit₹5,000
- Interest rate6.7 % p.a.
You get
- Maturity value after 5 years₹3,56,829
- You deposit₹3,00,000
- Interest earned₹56,829
These are the calculator's starting values. Change them above to see your own.
Common Questions
How is Post Office RD interest worked out?
Interest is compounded every quarter, and each monthly instalment earns only from the month it is paid. India Post's own maturity tables use the same method as the calculator above.
What if I miss an instalment?
A default fee of Rs 1 per Rs 100 is charged for each month missed. After four missed instalments in a row the account is discontinued; it can be revived within the next two months.
Is Post Office RD interest taxable?
Yes, at your slab rate. There is no Section 80C deduction on RD deposits.
Guides in Plain Words
Short reads that explain how it works before you decide.
