Post Office RD Calculator — Recurring Deposit Maturity 2026
Real-World Examples — 2026
₹5,000/month PO RD for 5 years
₹5,000/month in PO RD at 6.7% p.a. for 5 years: total invested = ₹3,00,000. Maturity = approximately ₹3,54,000. Interest earned = ₹54,000.
₹10,000/month — 5-year wealth building
₹10,000/month at 6.7% over 5 years builds a corpus of ₹7,08,000 on ₹6,00,000 invested. Post office RD is ideal for disciplined monthly savings with government backing.
Frequently Asked Questions
What is Post Office RD and its current rate?
Post Office Recurring Deposit is a 5-year scheme with a current rate of 6.7% p.a. (Q1 FY 2026-27), compounded quarterly. Minimum ₹100/month. Unlike bank RDs, there is no TDS on PO RD interest. It has sovereign guarantee (Government of India backed).
Can PO RD be extended after 5 years?
Yes. PO RD can be extended for another 5 years. Deposits can also be stopped after 3 years (treated as closed early). Premature closure allowed after 3 years at applicable simple interest rate.
How does PO RD compare to bank RD?
PO RD (6.7%) vs SBI RD (6.5%) — PO RD has slightly higher rate with sovereign guarantee. Bank RDs may offer up to 7.5% at small finance banks with higher rates but less security. No TDS on PO RD is an additional advantage.
Is the Post Office RD Calculator free?
Yes, the Post Office RD Calculator on CalcPhi is completely free with no registration required.
Are my inputs stored?
No. All calculations run in your browser. We do not store any financial data.
Can I use the Post Office RD Calculator on mobile?
Yes. CalcPhi is fully mobile-optimised and works on all modern smartphones.