stock market : Financial security has become very important in today’s busy life. Small savings can become a big fund if invested in the right place. In such a situation, the recurring deposit scheme of the post office is based on this idea. This scheme is proving to be beneficial especially for those people who want to save a little amount every month and create a strong fund for the future. This is protected by the government’s guarantee. This scheme can be a reliable solution for big expenses like medical needs, children’s education or retirement.
What is an RD scheme?
stock market : Recurring deposit i.e. RD is a savings scheme in which a fixed amount is deposited every month. This money grows with interest and a lump sum is received on maturity. In fact, the RD scheme of the post office is special because it has a government guarantee, which means the risk is very low.
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Save ₹10,000 every month, get ₹7.13 lakh in 5 years
stock market : Suppose if a person deposits ₹10,000 every month in an RD for 5 years, he will get about ₹7,13,659 at maturity. This fund will include ₹6 lakh deposit and ₹1,13,659 interest, i.e., the interest rate in this scheme is compounded quarterly.
Current interest rate and updates
stock market : Let us tell you that for the quarter from July to September 2025, the interest rate on the Post Office RD scheme is 6.7% per annum. However, this rate is reviewed and updated by the government every three months, due to which it remains competitive compared to other savings options.
Loan can be available after 1 year
stock market : After completing one year (12 installments) in the Post Office RD account, you can take a loan of up to 50 percent of your total amount. This facility provides great relief in emergencies. Keep in mind that the interest rate on this loan will be 2 percent higher than the RD interest rate.
Who will benefit the most?
stock market : This scheme is best for salaried employees, small businessmen and daily wage earners. Especially those who want to save with a specific goal for children’s education, marriage, building a house or retirement. Yes, this scheme is for 5 years, but if desired, it can be extended for another 5 years.
(Note: This article is for information only and should not be considered as investment advice in any way, consult an advisor once before making any investment.
