India Post - Post Office vs Sundaram Finance Recurring Deposit Comparison 2026
Compare Recurring Deposit interest rates, maturity amounts, and features between India Post - Post Office (Public Sector) and Sundaram Finance (Private Sector). Analyze the security of public sector banking versus the convenience of private sector services.
Post Office
Sundaram Finance
Adjust the parameters below to see how returns compare between the two banks
Five Thousand rupees
Interest Rate Comparison
General rates across different tenures
Current selection: 3 years (1095 days) -Post Office: % |Sundaram Finance: %
Direct comparison of general rates
Feature Comparison
Features | Post Office Public Sector | Sundaram Finance Private Sector |
|---|---|---|
Minimum RD Amount | ₹10 | ₹100 |
Current Interest Rate(Selected Tenure) | % | % |
Premature Withdrawal Penalty | 1% | 1% |
Official Rate Source | View Official Rates | View Official Rates |
Key Advantages:
Key Advantages:
₹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 Sundaram Finance
Family Accounts: Use different family members' accounts for additional coverage
Best of Both: Combine Post Office (security) with Sundaram 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
- • Minimum amount: ₹10
- • Public Sector banking preference
- • Government backed savings schemes
- • Nationwide post office network
- • Quarterly compounding on TD and RD
- • Minimum amount: ₹100
- • Private Sector banking preference
- • NBFC with competitive FD rates
- • Senior citizens get +0.50% additional interest
- • Digital FD booking available
- • Open multiple RDs for different goals
- • Keep ≤₹5L per bank for insurance
- • Use Post Office for stability
- • Use Sundaram Finance for convenience
- • Review rates periodically
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