Table of Content
Are you planning to invest in a secure and government-backed savings scheme? The Post Office Recurring Deposit (RD) is one of the most trusted investment options in India. But how do you calculate how much you’ll earn? That’s where the Post Office RD Calculator becomes a powerful tool!
In this guide, you’ll learn how to calculate RD returns, use an online calculator, and plan your financial future better.
What Is a Post Office RD?
The Post Office Recurring Deposit (RD) is a 5-year small savings scheme managed by India Post. It allows investors to deposit a fixed amount every month and earn compound interest quarterly. It’s perfect for salaried individuals or conservative investors.
Key Features:
- Tenure: 5 years (60 months)
- Minimum deposit: ₹100/month
- Interest rate (as of 2025): ~6.7% per annum (compounded quarterly)
- Flexible deposits: Can increase in multiples of ₹10
- Premature withdrawal allowed after 3 years (conditions apply)
What Is a Post Office RD Calculator?
A Post Office RD Calculator is a free online tool that helps you:
- Estimate your maturity amount
- Know the interest earned
- Plan monthly contributions
- Compare with other saving schemes
Instead of manually calculating with complex formulas, you can get results instantly with this calculator.
RD Interest Formula Used in Calculators
Most RD calculators (including for post office) use this standard compound interest formula: A=P×(1+rn)ntA = P \times \left(1 + \frac{r}{n}\right)^{nt}A=P×(1+nr)nt
Where:
- A = Maturity Amount
- P = Monthly deposit
- r = Annual interest rate
- n = Number of compounding quarters per year (4)
- t = Total number of years
Example Calculation
Let’s say you deposit ₹2,000 per month for 5 years at 6.7% interest:
- Monthly Deposit = ₹2,000
- Tenure = 5 years
- Total Investment = ₹1,20,000
- Estimated Maturity = ₹1,41,700+
- Interest Earned = ₹21,700+
Use a calculator to adjust for your actual monthly contribution. India Post official portal
How to Use the Post Office RD Calculator
- Visit a reliable RD calculator like India Post official portal or other trusted platforms (e.g., BankBazaar, Groww, etc.)
- Enter:
- Monthly contribution
- Interest rate (current is ~6.7%)
- Duration (default is 5 years)
- Click Calculate
- View your total maturity amount and interest earned
Benefits of Using the Calculator
- Accurate estimates to plan savings
- Time-saving and error-free calculations
- Helps decide how much to invest monthly
- Adjust values instantly for better planning
Download Options
Many platforms offer downloadable reports or print-ready formats of your RD maturity plan. Save or email them for future reference.
Post Office RD vs Bank RD
| Feature | Post Office RD | Bank RD |
|---|---|---|
| Backed By Govt? | Yes | Depends on Bank |
| Interest Rate | Fixed by Govt (~6.7%) | Varies by Bank |
| Tenure | Fixed at 5 Years | Flexible |
| Premature Exit | After 3 years | Varies by Bank |
RTIwala Tip: Use RTI to Verify RD or Other Post Office Savings Issues
Facing issues with your Post Office RD maturity amount, delays, or wrong entries?
File an Online RTI with RTIwala and get official clarification or documents directly from India Post.
You can even file an Anonymous RTI if you fear backlash.
Need Help With RD-Related Issues?
RTIwala can assist you with:
- Filing RTI for maturity delays
- Getting clarity on incorrect balances
- Checking RD closure or transfer status
Call now: +91-7999-50-6996
Summary
Post Office RD is a 5-year scheme with ~6.7% annual interest
Use an RD Calculator to estimate your earnings quickly
File RTI Online if there’s any delay or error in your account
Would you like this turned into a YouTube Short, Instagram carousel, or infographic next?
