Post Office RD Calculator
5-year post-office recurring deposit — quarterly-compounded maturity, default rules and RD vs SIP honesty.
Formula
Disclaimer: Interest rates shown are recent indicative values — banks revise FD cards and the government notifies small-savings rates quarterly. Verify the current rate before investing. Not financial advice.
Need post office rd calculator results fast? Skip the spreadsheet and get a clear, defensible answer in one step — free, private and instant, recalculating live as you change any input.
About Post Office RD Calculator
The post-office RD is India's five-year savings habit in its purest form: ₹100 minimum, any post office, sovereign backing, quarterly-compounded interest — the default ₹5,000/month matures to about ₹3.56 lakh on ₹3 lakh deposited. It remains the instrument through which much of non-metro India learns disciplined monthly saving. Know the operational rules that bite: deposits are due by the 15th (accounts opened 1st-15th) or month-end; each missed month charges a small default fee (₹1 per ₹100), four consecutive defaults DISCONTINUE the account (revivable within a window); and the loan facility — up to 50% of balance after a year — is the sanctioned way to handle a crunch without breaking the habit. Premature closure is allowed after 3 years but pays only savings-account rates, a brutal haircut that makes finishing the 5 years strongly incentivized. The honest comparison savers deserve: against bank RDs, the PO RD usually wins on rate and always on sovereign safety; against SIPs, it's a different instrument for a different job — guaranteed ~6.7% versus market-linked ~10-12% expectation, zero drawdowns versus -20% years. For goals under 3 years or for the saver who'd abandon a SIP in a crash, the RD's guarantee IS the higher expected value. For 5+ year wealth-building with steady nerves, SIP math dominates (see our SIP calculator side by side).
How to use Post Office RD Calculator
- 1Enter Monthly deposit (min ₹100), PO RD rate (notified quarterly) (%) into the Post Office RD Calculator.
- 2The result is computed automatically using Each monthly deposit compounds at the quarterly-compounded equivalent rate for its remaining months (PO convention) — there is no button to press; it updates live as you type.
- 3Change any input to model a different scenario, then use “Copy result link” to share the exact numbers.
Why use Post Office RD Calculator?
- ✓Computes post office rd calculator instantly with the correct formula — no spreadsheet needed
- ✓100% free and unlimited, with no sign-up, login or paywall
- ✓Runs entirely in your browser, so the figures you enter are never uploaded or stored
- ✓Shows the formula, a live worked example and references so you can defend the number
Frequently asked questions
₹5,000 mahina PO RD me 5 saal me kitna milega?+
6.7% par ~₹3.56 lakh (₹3 lakh deposit + ~₹56,000 interest). ₹10,000/month par ~₹7.13 lakh. Bank RDs aksar 0.2-0.5% kam dete hain; senior-citizen bank RDs comparable ho sakte hain. Sarkari guarantee PO ka standing edge hai.
Kisht chhoot jaye to kya hota hai?+
Har missed month par ₹100 ke deposit par ₹1 default fee; 4 lagataar defaults par account discontinue (phir 2 mahine me revive ka mauka). Bachne ka aasan rasta: advance deposits — 6 ya 12 mahine ek saath daalne par chhota rebate bhi milta hai aur bhoolne ka risk khatam.
RD todna pade to kitna nuksan?+
3 saal se pehle todna allowed nahi; uske baad premature closure par sirf POST OFFICE SAVINGS RATE (~4%) milta hai poore period ka — 6.7% nahi. Yeh bahut bada haircut hai. Crunch me LOAN option lijiye (1 saal baad, balance ka 50% tak, RD rate +2%) — habit bhi bachti hai, rate bhi.
RD vs SIP — naye saver ke liye kya sahi?+
Goal aur nerves se decide hota hai: 1-3 saal ka pakka goal (fees, shaadi, down payment) → RD, guarantee chahiye. 5+ saal aur -20% wale saal dekh kar bhi continue karne ka bharosa → SIP, expected return ~4-5% zyada. Pehli baar ke saver ke liye hybrid bhi accha hai: aadha RD (discipline + certainty), aadha SIP (growth seekhne ke liye).
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