Post Office Recurring Deposit (RD) Calculator
Calculate your National Savings RD maturity with latest Post Office rates
Highest RD Rate
6.7% p.a.
Best available rate by Post Office across tenures
Five Thousand rupees
Minimum amount varies by bank (typically ₹100 - ₹500)
Minimum period: 1 month (30 days). RDs are designed for regular monthly savings.
Your Tax Slab Rate
Used to calculate actual tax on RD interest
Select 0% if income below ₹3L
Best Recurring Deposit Rates Comparison 2026
Compare RD interest rates across top banks - General rates for 1 year
Bank
Interest Rate
Maturity
Interest
Compare
Highest Rate
7.40%
Suryoday SFB
Max Interest
₹2.5K
Best Return
Rate Spread
2.40%
Difference
Banks Available
28
Compared
Post Office Recurring Deposit Calculator Results
Year-wise breakdown of your monthly investments and returns
Post Office Recurring Deposit Interest Rates
Latest interest rates for different tenures
| Tenure | General Rate | General Maturity | Senior Citizen Rate | Senior Maturity |
|---|---|---|---|---|
| 5 Years | 6.7% | ₹357,182 | 6.7% | ₹357,182 |
Important Notes
- Min monthly: ₹10
- Penalty: 1% on premature closure
- TDS applicable if annual interest exceeds ₹40,000
- 15 days grace period for missed installments
Key Benefits
- Disciplined monthly savings habit
- Higher rates than savings accounts
- Auto-debit facility available
- DICGC insurance up to ₹5,00,000
Tax & TDS on Post Office Recurring Deposits
Understanding tax implications and deductions on your RD investments
Section 80C
Tax-saving RDs (5-year lock-in) qualify for deduction up to ₹1.5 lakh under Section 80C
Senior Citizens
Higher TDS exemption limit of ₹50,000 for citizens above 60 years
• Regular RDs don't qualify for Section 80C deduction
• Interest income is fully taxable as per income tax slab
• Form 15G/15H can be submitted to avoid TDS
• NSC and other alternatives also qualify for 80C
TDS Rate
10%
Exemption Limit
₹40,000
TDS Calculation
TDS is deducted at 10% if total interest from all RDs with Post Office exceeds ₹40,000 in a financial year
TDS is calculated on maturity amount
No TDS on monthly installments
Form 26AS shows TDS deducted at maturity
Can be claimed as advance tax while filing ITR
₹5,000/month RD
At 6.7% for 3 years
₹21,708
Total Interest
TDS: ₹0
₹10,000/month RD
At 6.7% for 3 years
₹43,416
Total Interest
TDS: ₹341.6
₹25,000/month RD
At 6.7% for 3 years
₹108,540
Total Interest
TDS: ₹6,854
Post Office Recurring Deposit FAQs
Everything you need to know about Post Office Recurring Deposits, RD interest rates, and systematic savings planning
What is the minimum amount required for Post Office RD?
What is the current highest RD rate offered by Post Office?
Is the interest earned on Post Office RD taxable?
Can I miss a monthly installment in Post Office RD?
Compare RD Rates Across Banks
Calculate Recurring Deposit returns with different banks and find the best rates