Post Office RD Calculator

⚡ Instant 🇮🇳 Government Scheme 📈 6.7% Quarterly 🔒 5-Year Lock-in

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RD Maturity Summary

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About Post Office RD

Post Office Recurring Deposit is a government-backed savings scheme with quarterly compounding. Minimum deposit: ₹100/month. Current rate: 6.7% p.a. (Q1 FY 2024-25).

Frequently Asked Questions

What is the current RD interest rate?

The Post Office RD interest rate is 6.7% per annum, compounded quarterly. Rates are set by the government and may change quarterly.

Can I withdraw RD before maturity?

Premature closure is allowed after 3 years with a penalty. Partial withdrawal is not allowed in RD.

Is RD interest taxable?

Yes, RD interest is taxable as per your income tax slab. You can claim TDS exemption by submitting Form 15G/15H if your total income is below taxable limit.

✅ Do's and ❌ Don'ts

✅ Do's

  • ✅ Do deposit before the 15th of each month for full month's interest.
  • ✅ Do continue RD for full 5 years for maximum returns.
  • ✅ Do use RD for short-term savings goals (1-5 years).
  • ✅ Do link your RD account to your savings account for auto-debit.

❌ Don'ts

  • ❌ Don't miss monthly deposits — it affects your maturity amount.
  • ❌ Don't withdraw before 3 years — heavy penalty applies.
  • ❌ Don't exceed ₹100 minimum — keep deposits consistent.
  • ❌ Don't forget to claim TDS exemption if income is below limit.