Post Office Recurring Deposit Calculator

Find the maturity value of a 5 Year Post Office Recurring Deposit at the current official rate.

Official rate effective 01.07.2026 to 30.09.2026 — rates are set by India Post and revised quarterly. Figures are estimates for general planning only — see the explanation below for this scheme's specific assumptions.

Deposited: ₹60,000 (84%)Interest: ₹11,366 (16%)

How this grows over time

if you deposit ₹1,000 a month in a recurring deposit for 60 months at 6.7%, it matures to about ₹71,366 — ₹11,366 in interest on ₹60,000 deposited. Compare this against a fixed-term Time Deposit instead

What is a Post Office Recurring Deposit?

You deposit a fixed amount every month for 5 years, and the scheme pays a fixed official interest rate, compounded quarterly — the same underlying calculation as this site’s general RD calculator, just using the Post Office’s specific current rate and branded for that scheme. If you’re comparing a Post Office RD against a bank RD, the general RD calculator lets you enter any bank’s rate directly.

What this simplifies

The scheme allows depositing an amount equal to a whole multiple of the base instalment, and has specific rules around late-payment penalties and premature closure — none of which this calculator models. This shows the maturity value assuming every instalment is paid on time for the full term.

Frequently asked questions

Is this different from the site’s general RD calculator?

No — it’s the exact same calculation, just pre-set with the current official Post Office RD rate. Use the general RD calculator if you want to compare against a bank’s rate instead.

Common questions answered

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