Are you also looking for safe and guaranteed returns by investing in Post Office Recurring Deposit (RD) Scheme? If yes, then this can prove to be a good scheme for you. To know the maturity amount on depositing ₹ 11,111 every month in the RD Scheme (Recurring Deposit) of Indian Post, it is important to first understand the interest rate and tenure. Here first understand that the RD scheme of Post Office is for 5 years. This is its standard duration.
Current interest rates (as of February 2026)
Current interest rate: 6.7% per annum (compounded quarterly), which continues for January-March 2026. Also note that no extra interest is offered to senior citizens in this scheme.
This rate is reviewed every quarter, but currently it is running at only 6.7%.
How much will you get on maturity? (approximate calculation)
Monthly Deposit: ₹11,111
Total Months: 60 (5 years)
Total investment (principal): ₹11,111 × 60 = ₹6,66,660
Interest Rate: 6.7% pa (compounded quarterly)
According to Cleartax’s calculations, the return you will get on a monthly deposit of ₹11,111 is: ₹1,26,285.72
That means at the time of maturity you will have a total fund of ₹ 7,92,945.72 ready.
Special things in the scheme
You can start with a minimum investment of ₹100 per month (hereafter in multiples of ₹10) in the Post Office Recurring Deposit (RD) scheme. There is no limit on the maximum deposit amount. The interest rate is decided by the government on a quarterly basis (on interest compounding basis). A special feature of the scheme is that after depositing 12 installments, a part of the deposited amount can be given as a loan. Premature closing will be possible only after 3 years. This scheme is a great tool for salaried individuals, housewives, small investors, those planning for children’s education or future.
This scheme is a great tool for salaried individuals, housewives, small investors, those planning for children’s education or future. If you are also interested in investing in it, then you can open an RD account by going to your nearest post office branch.
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