Post Office RD Scheme 2025 – Interest Rate, Calculator, Chart & Details
Are you someone who always wishes for a safe place to keep your money, but doesn’t want to take risks like the stock market or mutual funds? I remember when my uncle, a retired teacher, once told me – “સાચા બગાડો નહિ, પણ સાચો રસ્તો શોધો કે જ્યાં પૈસા વધે પણ સલામતી પણ રહે.” That’s exactly where the Post Office RD Scheme 2025 comes into the picture.
For years, post offices have been the neighbourhood guardians of savings – whether it’s a grandmother keeping aside ₹500 every month or a salaried person planning for children’s education.
And in 2025, the Post Office Recurring Deposit (RD) Yojana continues to shine as one of the most trustworthy savings schemes for middle-class families, housewives, and young earners.
Let’s dive deep into the Post Office RD scheme 2025 details, including its interest rates, calculator, maturity chart, and benefits.
What is the Post Office RD Scheme 2025?
The Post Office Recurring Deposit (RD) is a small savings scheme where you deposit a fixed amount every month, and after 5 years, you get a lump sum with guaranteed interest.
Think of it like planting a tree – watering it regularly every month (your deposit) – and after 5 years, it grows into a strong, fruitful tree (maturity value).
Unlike risky investments, this scheme is backed by the Government of India, which makes it 100% safe.
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Interest Rate (2025): 6.7% per annum (compounded quarterly)
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Tenure: 5 years (extendable)
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Minimum Deposit: ₹100 per month
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Maximum Deposit: No upper limit (depending on your budget)
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Mode of Deposit: Cash, cheque, or online via IPPB App
Why Choose Post Office RD in 2025?
Every savings option has its pros and cons. Mutual funds promise higher returns but come with risks. Bank FDs are stable but often give lower interest.
Post Office RD strikes the perfect balance:
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✅ Assured Growth – No matter how markets perform, you get guaranteed returns.
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✅ Small Start, Big Results – Even ₹500 per month can grow into ₹34,000+ in 5 years.
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✅ Loan Facility – Need money urgently? Take a loan against your RD without breaking it.
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✅ Government-backed – Your money is as safe as it can get.
Post Office RD Interest Rate 2025
The Post Office RD interest rate 2025 is 6.7% per annum, compounded quarterly.
That means every three months, your deposit earns interest, which is added to your balance – and then that balance also earns more interest.
This “interest on interest” magic is what makes RD attractive.
Post Office RD Scheme Chart 2025
Here’s a handy Post Office RD scheme chart (calculated at 6.7% interest):
| Monthly Deposit | Total Deposit (5 Years) | Maturity Value | Profit (Interest Earned) |
|---|---|---|---|
| ₹500 | ₹30,000 | ₹34,083 | ₹4,083 |
| ₹1,000 | ₹60,000 | ₹68,167 | ₹8,167 |
| ₹3,000 | ₹1,80,000 | ₹2,04,501 | ₹24,501 |
| ₹5,000 | ₹3,00,000 | ₹3,40,835 | ₹40,835 |
| ₹10,000 | ₹6,00,000 | ₹6,81,670 | ₹81,670 |
(Values are approximate, based on Post Office RD Calculator 2025 at 6.7% interest)
Isn’t it amazing how just ₹1,000 per month turns into nearly ₹70,000 in 5 years?
How Post Office RD Calculator 2025 Works
Many people wonder: “If I invest ₹1,000 or ₹5,000 every month, how much will I get after 5 years?”
The Post Office RD Calculator 2025 helps you figure this out instantly.
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Enter your monthly deposit
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Select the tenure (5 years)
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Check the maturity value & interest earned
For example:
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₹1000 per month → ₹68,167 maturity
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₹5000 per month → ₹3,40,835 maturity
This tool is super helpful for planning goals like:
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Child’s education
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Marriage savings
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Emergency fund building
Benefits of Post Office RD Scheme 2025
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Government Guarantee – 100% safe, unlike private investments.
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Affordable Entry – Start with just ₹100/month.
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Flexibility – Deposit via cash, cheque, or IPPB app.
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Loan Option – Borrow up to 50% of your balance after 1 year.
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No Market Risk – Unlike stocks or mutual funds.
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Discipline in Savings – Monthly deposits make you consistent.
Eligibility for Post Office RD 2025
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✅ Any Indian citizen above 18 years can open an RD.
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✅ Parents/guardians can open accounts for minors.
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✅ Joint accounts allowed (up to 3 people).
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❌ NRIs are not eligible.
Premature Withdrawal Rules
Sometimes life throws surprises – job loss, medical bills, or emergencies.
If you need to break your RD:
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Allowed only after 3 years of account opening.
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Penalty of 1.8% on the deposit amount.
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Loan facility (50% of balance) is usually better than closing RD early.
My Personal Experience with RD
Back in 2018, when I started my career, my father encouraged me to open a Post Office RD with ₹1,000/month.
At first, it felt small – what difference could ₹1,000 make?
But after 5 years, when I received nearly ₹70,000, I realized: discipline beats amount.
That lump sum became the down payment for my scooter – my first big purchase from my own savings!
So, whether you’re a student, a housewife, or a salaried person, RD teaches you one golden rule: “Little drops make a mighty ocean.”
Post Office RD vs Bank RD – Which is Better in 2025?
| Feature | Post Office RD | Bank RD |
|---|---|---|
| Interest Rate 2025 | 6.7% | 5.5%–7% (varies by bank) |
| Safety | 100% Govt-backed | Depends on the bank’s stability |
| Minimum Deposit | ₹100 | ₹500 (usually) |
| Loan Facility | Yes | Yes |
| Trust Factor | Very High | High |
If you want absolute safety, Post Office RD wins.
Important Links – Post Office RD 2025
Post Office RD Scheme Click Here
Visit Homepage Click Here
FAQs – Post Office RD Yojana 2025
Q1. What is the Post Office RD interest rate for 2025?
👉 6.7% per annum, compounded quarterly.
Q2. What is the minimum deposit?
👉 ₹100 per month.
Q3. Can I withdraw before 5 years?
👉 Yes, but only after 3 years with a penalty.
Q4. Is Post Office RD better than Bank RD?
👉 Yes, it is safer as it is government-backed.
Q5. Can I open RD online?
👉 Yes, via IPPB mobile app or nearest Post Office.
Q6. What if I miss a monthly payment?
👉 Small penalty applies, but the account won’t close immediately.
Conclusion
The Post Office RD Scheme 2025 is not just a savings plan – it’s a habit builder, a financial cushion, and a secure way to grow your money.
With just ₹500 to ₹10,000 per month, you can build a future fund for your family.
It’s perfect for middle-class families, salaried employees, and anyone who values safety + discipline + assured returns.
For Gujaratis, this truly is “Nischit Bachat Yojana” – save today, enjoy tomorrow.
So, why wait? Start your Post Office RD account today and take the first step towards financial independence.
What do you think – would you prefer Post Office RD or Bank RD in 2025?
Share your thoughts in the comments below – your experience might inspire someone to start saving!
