The Post Office Recurring Deposit (RD) Scheme is one of the safest savings options backed by the Government of India. It offers fixed returns with quarterly compounding, making it ideal for individuals looking for a secure investment with steady growth.
In this guide, we’ll cover:
✔ How to Apply for Post Office RD in 2025
✔ Deposit Amount & Maturity Calculation
✔ Interest Rate & Withdrawal Rules
✔ Eligibility & Documents Required
✔ FAQs & Expert Insights
Post Office RD Scheme 2025 – Overview
| Feature | Details |
|---|---|
| Scheme Name | Post Office Recurring Deposit (RD) |
| Interest Rate | 6.70% per annum (compounded quarterly) |
| Minimum Deposit | ₹100 per month |
| Maximum Deposit | No limit |
| Tenure | 5 years |
| Premature Withdrawal | Allowed after 3 years (with conditions) |
| Loan Facility | Available against RD balance |
| Eligibility | Individuals, joint accounts (up to 3 adults), and minors (above 10 years) |
| Government Guarantee | 100% Secure (Backed by India Post) |
Post Office RD Application Process 2025 – Step-by-Step Guide
1️⃣ Visit the Post Office
- Collect the RD Account Opening Form or download it online.
2️⃣ Fill in Your Details
- Provide your name, contact details, nominee information, and deposit amount.
3️⃣ Attach Required Documents
- Identity proof (Aadhaar/PAN/Voter ID)
- Address proof (Utility bill, Aadhaar, etc.)
- Two passport-sized photographs
- Nominee details (optional but recommended)
4️⃣ Submit and Verify
- Carry original documents for verification.
- Submit the filled form with the first month’s deposit.
5️⃣ Receive Your RD Passbook
- After processing, you will receive an RD passbook to track deposits and interest.
Post Office RD ₹3,000 Monthly Deposit – Total Maturity Calculation
Many investors prefer to deposit ₹3,000 per month in the Post Office RD Scheme. Here’s how your investment will grow over 5 years (60 months) at 6.70% annual interest (compounded quarterly):
| Monthly Deposit | Total Deposited (5 Years) | Interest Earned | Maturity Amount |
|---|---|---|---|
| ₹3,000 | ₹1,80,000 | ₹32,749 | ₹2,12,749 |
| ₹5,000 | ₹3,00,000 | ₹54,582 | ₹3,54,582 |
| ₹10,000 | ₹6,00,000 | ₹1,09,164 | ₹7,09,164 |
? Tip: Use a Post Office RD Calculator to estimate your returns for different deposit amounts.
Key Benefits of the Post Office RD Scheme 2025
✅ Guaranteed Returns – Backed by India Post, ensuring safety.
✅ High Interest Rate – Earn 6.70% per annum, compounded quarterly.
✅ Flexible Deposits – Start with just ₹100 per month and increase in multiples of ₹10.
✅ Loan Facility – Borrow up to 50% of your RD balance when needed.
✅ Premature Withdrawal – Allowed after 3 years under specific conditions.
✅ Joint & Minor Accounts – Open joint accounts (up to 3 adults) or minor accounts.
Post Office RD FAQs
? What is the interest rate for the Post Office RD Scheme in 2025?
- The interest rate is 6.70% per annum (compounded quarterly).
? What is the minimum deposit amount?
- You can start with ₹100 per month.
? Is there a maximum deposit limit?
- No, you can deposit any amount in multiples of ₹10.
? Can I withdraw my RD before maturity?
- Yes, after 3 years, but a penalty may apply.
? Can I take a loan against my RD balance?
- Yes, loans are available after 1 year of opening the account.
? Can a minor open an RD account?
- Yes, children above 10 years can open an RD account with a guardian.
