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Post Office RD Calculator (5-Year Recurring Deposit)

Calculate maturity value and interest earned on a 5-Year National Savings Recurring Deposit account with the Department of Posts. Shows quarterly compounding growth and sovereign backing.

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Calculator and results

Depositing ₹5,000 monthly into a 5-Year Post Office Recurring Deposit at 6.7% p.a. quarterly compounding totals ₹3,00,000 deposited and yields ₹3,56,829 on maturity, earning ₹56,829 in sovereign interest.

Post Office 5-Year RD Parameters

Quarterly Compounding: 6.7%

Calculate maturity amount and interest on 5-Year National Savings Recurring Deposit accounts.

₹

Minimum ₹100 per month (in multiples of ₹10). No upper ceiling.

%

Official Ministry of Finance rate is 6.7% p.a. compounded quarterly.

Statutory Duration:5 Years (60 Monthly Deposits)

Premature closure allowed after 3 years at PO Savings Account rate (4.0%). Account extendable for 5 more years at maturity.

Post Office RD Maturity Summary

Maturity Payout

₹3,56,829

100% sovereign guaranteed payout

Total Interest Earned

₹56,829

Compounded quarterly over 60 months

Monthly Installment:₹5,000
Total Deposits Made (60 Months):₹3,00,000
Interest Earned:₹56,829
Final Maturity Value:₹3,56,829

Key Account Features:

• TDS: No Tax Deducted at Source by the Post Office

• Loan Facility: Up to 50% of balance after 12 completed months

• Sovereign Guarantee: 100% safety of principal and interest

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How does the Post Office RD Calculator work?

The 5-Year Post Office Recurring Deposit Account (National Savings Recurring Deposit) is a sovereign savings instrument with a fixed 60-month duration.

The sovereign interest rate is currently 6.70% p.a., compounded quarterly.

Deposits can be made in multiples of ₹10, with a minimum initial deposit of ₹100 per month and no upper ceiling.

Premature closure is allowed after 3 years from account opening at the prevailing Post Office Savings Account interest rate (4.0% p.a.).

The account can be extended for an additional 5-year term upon maturity.

Worked example at 6.7%: ₹5,000 a month for 5 years means ₹3,00,000 deposited. With quarterly compounding the maturity amount is about ₹3,56,829, so you earn ₹56,829 in interest. The interest is taxable at your slab rate, but the post office does not deduct TDS on it.

The rate is fixed for the whole 5 years at the rate in force when you open the account, even if the government changes it later. That makes the post office RD a predictable way to save a fixed sum every month, though its rate is usually below what a bank RD or the Post Office Time Deposit pays.

Other post office schemes worth comparing: the Post Office MIS Calculator for monthly income, the NSC Calculator for a 5-year lumpsum with an 80C deduction, and the PPF Calculator for long-term tax-free savings.

Post Office RD maturity after 5 years at 6.7%

Monthly depositTotal depositedInterestMaturity amount
₹1,000₹60,000₹11,366₹71,366
₹2,000₹1,20,000₹22,732₹1,42,732
₹5,000₹3,00,000₹56,829₹3,56,829
₹10,000₹6,00,000₹1,13,658₹7,13,658

Quarterly compounding, as India Post calculates it. The rate is fixed at the rate in force when the account is opened.

Post Office RD Calculator formula

Maturity Value = Sum of each installment compounded quarterly: P x (1 + r/400)^(4 x t)

P
= Monthly recurring deposit amount (minimum ₹100)
r
= Notified interest rate (6.70% p.a. compounded quarterly)
t
= Tenure in years for each monthly tranche

No TDS is deducted on Post Office Recurring Deposits; interest is taxable as income from other sources.

Post Office RD Calculator: worked example

₹5,000 Monthly Deposit in 5-Year Post Office RD (6.70% p.a.)

Monthly Recurring Deposit
₹5,000
Fixed Duration
5 Years (60 Months)
Official Sovereign Interest Rate
6.7% (Compounded Quarterly)
Total Principal Deposited
₹3,00,000
Total Interest Earned
₹56,829
Final Sovereign Maturity Value
₹3,56,829

Post Office RD Calculator: frequently asked questions

What is the current interest rate on Post Office RD in 2026?
The Ministry of Finance has notified an interest rate of 6.70% p.a. for the 5-Year Post Office Recurring Deposit account, compounded quarterly.
How much interest do I get on ₹5,000 monthly in Post Office RD?
A monthly deposit of ₹5,000 over 5 years (60 months) totals ₹3,00,000 invested, and yields approximately ₹56,830 in interest, resulting in a maturity payout of about ₹3,56,830.
Is there TDS on Post Office Recurring Deposit interest?
No. The Post Office does not deduct Tax Deducted at Source (TDS) on RD payouts. However, the interest earned must be declared under Income from Other Sources and is taxable at your income slab.
Can I take a loan against my Post Office RD account?
Yes. After 12 installments are deposited and the account has been active for 1 year, you can take a loan up to 50% of the account balance at 2% above the RD interest rate.
Can I extend my Post Office RD after 5 years?
Yes. The account can be extended for another 5 years by applying at the concerned post office. You may choose to extend with or without further monthly deposits.
What is the penalty for missed Post Office RD installments?
A default fee of ₹1 for every ₹100 denomination is charged per missed month. If the account remains in default for 4 consecutive months, it is treated as discontinued until revived.
How much will ₹5,000 a month in Post Office RD give after 5 years?
About ₹3,56,829 at 6.7%, on ₹3,00,000 deposited, so roughly ₹56,829 in interest. The rate is locked in when you open the account.
Is the Post Office RD rate fixed for 5 years?
Yes. The rate in force on the day you open the account applies for the full 5-year term, regardless of later quarterly revisions.

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Reviewed by Pradipta Ray, MBA (Finance) · Updated