Bank RD Comparison Tool
India Post - Post Office vs Muthoot Capital Services Ltd Recurring Deposit Comparison 2026
Compare Recurring Deposit interest rates, maturity amounts, and features between India Post - Post Office (Public Sector) and Muthoot Capital Services Ltd (Private Sector). Analyze the security of public sector banking versus the convenience of private sector services.
Post Office
Public Sector
VS
Muthoot Finance
Private Sector
Post Office: Min ₹10
Muthoot Finance: Min ₹0
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
₹
Five Thousand rupees
₹100₹50,000
years
1 year10 years
Interest Rate Comparison
Interest Rates by Tenure
General rates across different tenures
Current selection: 3 years (1095 days) -Post Office: % |Muthoot Finance: %
Side-by-Side Rate Comparison
Direct comparison of general rates
Post Office
Muthoot Finance
Highlighted = Your selected tenure
Feature Comparison
Features | Post Office Public Sector | Muthoot Finance Private Sector |
|---|---|---|
Minimum RD Amount | ₹10 | ₹0 |
Current Interest Rate(Selected Tenure) | % | % |
Premature Withdrawal Penalty | 1% | 1% |
Official Rate Source | View Official Rates | View Official Rates |
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
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
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 Post Office and Muthoot Finance
Family Accounts: Use different family members' accounts for additional coverage
Best of Both: Combine Post Office (security) with Muthoot Finance (convenience)
💡 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 Post Office If:
- • Minimum amount: ₹10
- • Public Sector banking preference
- • Government backed savings schemes
- • Nationwide post office network
- • Quarterly compounding on TD and RD
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%
Best Strategy:
- • Open multiple RDs for different goals
- • Keep ≤₹5L per bank for insurance
- • Use Post Office for stability
- • Use Muthoot Finance for convenience
- • Review rates periodically
Explore more RD comparisons
Jump to other recurring deposit comparisons using these quick links.
Compare Post Office with other banks
Compare Muthoot Finance with other banks
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