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Central GovtQuarterly CompoundMin Rs. 100/moQ4 FY2025-26
Post Office RD Calculator 2026: monthly deposits, 5-year maturity
Start with Rs. 100 a month and see what you get after 5 years. Quarterly compounding with a government guarantee.
⚠️ These rates are for Q4 FY2025-26 (valid till 2026-03-31). For the latest rates see India Post or the Ministry of Finance.
How the Post Office RD works
Deposit a fixed amount every month and interest grows through quarterly compounding. At maturity after 5 years you receive the full amount plus interest.
Key rules
- Starts at Rs. 100 per month
- In multiples of Rs. 10
- 5-year tenure
- Late payment: Rs. 1 per month penalty for every Rs. 100
- 4 consecutive defaults close the account
- Premature closure allowed after 3 years (with penalty)
Frequently asked questions
What is the penalty for a late RD payment?
Rs. 1 per month for every Rs. 100. After 4 consecutive defaults the account is closed.
RD vs SIP?
RD gives a guaranteed, government-backed return. SIP is market-linked with higher potential but risk. Choose RD for safety and SIP for growth.
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Source: Ministry of Finance / India Post, rates Q4 FY2025-26, subject to quarterly revision. Results are indicative; confirm final figures with your bank or post office.