Post Office RD 2025 : If you want to create a good fund for the future by saving a little amount every month, then the Post Office Recurring Deposit is a great option. In RD , you can earn a good amount of interest by depositing a small amount in a very easy way.
Post Office RD 2025
Recurring Deposit, which comes with a government guarantee, is completely safe and is considered very beneficial especially for the common man. In 2025, this scheme is getting 6.7% annual interest, due to which your money keeps growing over time.
What Is the Post Office Recurring Deposit (RD) Scheme
Recurring Deposit of the post office is a monthly savings scheme in which you deposit a fixed amount every month. Its total duration is 5 years and during this time interest is added on your amount with compounding every three months.
The specialty of Recurring Deposit is that any Indian citizen can start it with just ₹ 100 per month. This scheme is available in both villages and cities and there is no risk in it.
Recurring Deposit Interest Rate in 2025
Currently, in the first quarter of 2025, Recurring Deposit is getting 6.7% interest annually. This interest is given on an annual basis i.e. interest is added to your principal every 1 year.
This Recurring Deposit interest rate is fixed by the central government and it may also change from time to time. However, at present this rate is considered better than many savings schemes.
₹1000, ₹2000, ₹3000, ₹4000 RD Plan – Check 5-Year Returns with 6.7% Interest Rate in Post Office RD 2025
If you invest ₹ 1000, ₹ 2000, ₹ 3000 or ₹ 4000 every month in Recurring Deposit , then after 5 years you can get a good fund including interest. You can see its complete details in the table given below:
| Monthly Deposit Amount | Total Deposit (5 Years) | Interest @6.7% | Maturity Amount |
|---|---|---|---|
| ₹1,000 | ₹60,000 | ₹11,369 | ₹71,369 |
| ₹2,000 | ₹1,20,000 | ₹22,732 | ₹1,42,732 |
| ₹3,000 | ₹1,80,000 | ₹34,097 | ₹2,14,097 |
| ₹4,000 | ₹2,40,000 | ₹45,459 | ₹2,85,459 |
It is clear from this table that the more amount you deposit every month, the more benefit you will get. The effect of compounding is very effective in the long term.
How to open a Post Office Recurring Deposit account?
You can easily open RD account by visiting any branch of the post office. For this you will need Aadhar card, PAN card and a passport size photo. Now online Recurring Deposit account can also be started through the post office’s IPPB mobile app. With this, you can make this investment even sitting at home.
Post Office RD scheme is a great and safe option for small investors. You can create a good fund in 5 years by saving an amount of ₹ 1000 to ₹ 4000 every month. If you want a fixed return by staying away from risk, then this scheme can prove to be the best for you. Do not delay, open your Recurring Deposit account today by visiting the post office or through online medium.
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