Bank RD Comparison Tool

Muthoot Capital Services Ltd vs India Post - Post Office Recurring Deposit Comparison 2026

Compare Recurring Deposit interest rates, maturity amounts, and features between Muthoot Capital Services Ltd (Private Sector) and India Post - Post Office (Public Sector). Analyze the security of public sector banking versus the convenience of private sector services.

Muthoot Finance

Private Sector

Post Office

Public Sector

Muthoot Finance: Min ₹0

Post Office: Min ₹10

Security vs Convenience

DICGC Insured up to ₹5 Lakhs

Compare Your RD Returns

Adjust the parameters below to see how returns compare between the two banks

Monthly Installment

₹

Five Thousand rupees

₹100₹50,000

Investment Period

years

1 year10 years

Customer Type

GeneralStandard interest rates

Senior Citizen (60+)Higher interest rates

Interest Rate Comparison

Interest Rates by Tenure

General rates across different tenures

Current selection: 3 years (1095 days) -Muthoot Finance: % |Post Office: %

Side-by-Side Rate Comparison

Direct comparison of general rates

Muthoot Finance

Post Office

Highlighted = Your selected tenure

Feature Comparison

Features	Muthoot Finance Private Sector	Post Office Public Sector
Minimum RD Amount	₹0	₹10
Current Interest Rate(Selected Tenure)	%	%
Premature Withdrawal Penalty	1%	1%
Official Rate Source	View Official Rates	View Official Rates

Muthoot Capital Services Ltd

Private Sector Bank

Key Advantages:

NBFC with attractive interest rates up to 9.20% p.a. for senior citizens (Maturity Scheme)

Senior citizens get +0.25% additional interest on all schemes

Maturity Scheme (Cumulative Deposits) with annualized yield up to 10.08%

Monthly Income Plan, Annual Scheme, and Maturity Scheme available

Flexible tenure from 12 to 60 months

Guaranteed returns

Easy documentation process

Minimum deposit: ₹1,000

Deposits accepted only in the state of Kerala

Rate of interest for deposits above ₹3 Crores may vary

Non-Resident Senior Citizens not eligible for additional 0.25% interest

India Post - Post Office

Public Sector Bank

Key Advantages:

Government backed savings schemes

Nationwide post office network

Quarterly compounding on TD and RD

5-year TD qualifies for Section 80C benefits (₹1.5 lakh)

No additional interest for senior citizens

Loan facility up to 50% after 12 months on RD

Minimum deposit: ₹10/month for RD, ₹1,000 for TD

RD tenure can be extended up to 10 years

Safe and secure government scheme

Available at all India Post offices

Important: Recurring Deposit Safety & Insurance Coverage

₹5 Lakh Insurance Limit

The Deposit Insurance and Credit Guarantee Corporation (DICGC) provides insurance coverage of up to ₹5 lakhs per depositor per bank. This includes both principal and accrued interest for RDs.

⚠️ Recommendation:

Keep your total deposits (RDs + FDs + Savings) under ₹5 lakhs per bank. If you need larger investments, distribute them across multiple banks.

Smart Distribution Strategy

Multiple RDs: Open RDs in both Muthoot Finance and Post Office

Family Accounts: Use different family members' accounts for additional coverage

Best of Both: Combine Muthoot Finance (convenience) with Post Office (security)

💡 Pro Tip:

RDs are perfect for goal-based investing. You can open separate RDs for different financial goals across different banks to maximize returns and safety.

Key Insights & Recommendations

Choose Muthoot Finance If:

• Minimum amount: ₹0
• Private Sector banking preference
• NBFC with attractive interest rates up to 9.20% p.a. for senior citizens (Maturity Scheme)
• Senior citizens get +0.25% additional interest on all schemes
• Maturity Scheme (Cumulative Deposits) with annualized yield up to 10.08%

Choose Post Office If: