Guides
Post Office Recurring Deposit 2026
Post Office RD at 6.7% — 5-year tenure, ₹100 minimum, maturity table, loan, premature closure, default rules and extension.
Updated 27 September 2026Highest RD rate now
7.25%
Bandhan BankWhat you need to know
The Post Office RD (National Savings Recurring Deposit) is a 5-year government-backed RD. The rate for July–September 2026 is 6.7%, compounded quarterly. It is available at any post office and through India Post Payments Bank / DoP internet banking.
Maturity table
| Monthly deposit | Total paid (60 months) | Maturity @ 6.7% | Interest |
|---|---|---|---|
| ₹500 | ₹30,000 | ₹35,683 | ₹5,683 |
| ₹1,000 | ₹60,000 | ₹71,366 | ₹11,366 |
| ₹2,000 | ₹1,20,000 | ₹1,42,732 | ₹22,732 |
| ₹5,000 | ₹3,00,000 | ₹3,56,829 | ₹56,829 |
| ₹10,000 | ₹6,00,000 | ₹7,13,658 | ₹1,13,658 |
India Post’s own ready-reckoner shows ₹5,000 a month maturing at ₹3,56,830 at 6.7% — the same as this table.
Rules
| Rule | Details |
|---|---|
| Minimum | ₹100 a month, multiples of ₹10; no maximum |
| Tenure | 5 years; can be extended for 5 more years |
| Loan | Up to 50% of balance after 12 instalments |
| Premature closure | After 3 years; interest at PO savings rate |
| Default | ₹1 per ₹100 per month; discontinued after 4 defaults |
| Tax | Interest taxable; no 80C deduction |
Frequently asked questions
Is Post Office RD better than bank RD?
It pays 6.7% with a sovereign guarantee — more than many large banks — but there is no senior premium and only a 5-year tenure.
For information and comparison only. Confirm rates and rules with your bank or post office.