Post Office RD calculator
A post office recurring deposit lets you save a fixed amount every month for five years. Enter your monthly deposit to see the maturity value.
How it's calculated
- You make 60 monthly deposits. Interest at 6.7% a year is compounded every quarter.
- Each deposit grows for the months left until maturity: the first one for 60 months, the last one for one month.
- This is an estimate. Rounding can make the amount on your passbook differ by a few rupees.
An example
Saving ₹10,000 a month for five years at 6.7% gives about ₹7,13,658. You deposit ₹6 lakh.
Frequently asked questions
Does the rate change during the five years?
The rate shown is the one announced for October to December 2026. Check the rate in force on the day you open the account.
Is RD interest taxed?
Yes. The interest is part of your income and taxed at your slab rate.
RD or SIP?
An RD gives a known amount backed by the government. A SIP in a mutual fund can earn more or less. Compare with the SIP calculator.
Key terms
- RD
- Recurring deposit: a fixed amount saved every month for a set period.
- Quarterly compounding
- Interest added to the balance every three months.
Up-to-date official data
Data checked against the official source on .
We check the official sources automatically, every day.
See all sources