How to Pay Post Office RD Amount Online?

Post offices in India offer several financial services to Indian citizens in the form of insurance and savings schemes. A post office RD (Recurring Deposit) scheme is popular in the country due to its returns on maturity.
Post office interest rates are regularly revised and compounded quarterly so that you can grow the returns on your deposits.

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A post office RD is typically for 5 years. You can choose to extend it for another 5 years after maturity. The minimum deposit per month is Rs.10, while there is no upper limit to the deposits.

How to Register for Post Office RD Online?

Your first need is to register for the post office online services or internet banking for registering for post office RD online. Follow these steps to activate your internet banking services:

  • Visit the nearest post office where you have an active savings 'B' post office account.
  • You need to have a valid mobile number, email ID, and the post office debit card.
  • Submit a filled-in application form for starting online services with your KYC documents.
  • Upon verification, internet banking gets activated after 24 hours.

How to Create a Post Office RD Login?

Follow these steps to create a post office RD Login:

  • Once you activate your post office internet banking services, visit the DOP (Department of Post) internet banking page.
  • Click on the "New User Activation" tab.
  • Fill in the required details like your name, customer ID, account ID, mobile number, and email.
  • Set the login and transaction password for your post office RD account and the security questions with answers.
  • The user ID is automatically generated, and you can use it for future transactions.

How to Open Your Digital IPPB Account?

You need to download the IPPB mobile banking app on your smartphone to open your digital IPPB account. You can download the app from Apple Store or Google Play Store and then follow these steps: 

  • Click on the "Open your Account now" link and sign up for a digital savings account.
  • Fill in your basic information, PAN, and Aadhaar number. Provide the phone number that is linked to your post office account.
  • Enter the customer ID and account number. You will get an OTP on the RMN or Registered Mobile Number, which you have to enter. 
  • You have to set your MPIN, and you can start using your app.

How to Pay Post Office RD Online?

Once your IPPB app is working, you can make the RD payment online: Follow these steps to do so:

  • Transfer funds from your savings bank account to the IPPB account.
  • From the "DOP Products" section, select the "Recurring Deposit" option.
  • Enter your post office customer ID and RD account number.
  • Enter the RD installment amount and its duration.
  • Once you make a successful payment through the IPPB app, you get a payment confirmation notification.

The Final Words!

The post office RD scheme enables investors to invest small amounts of money every month. You are eligible for tax exemption on these deposits as per the provisions of Section 80C of the Income Tax Act, 1961. The post office RD scheme is suitable for you if you wish to save through regular monthly deposits.

Disclaimer: Tax benefit is subject to changes in tax laws.


  • Q. Can I open a post office RD account online?

    Ans. No, you cannot open a post office RD account online. You need to visit the nearest post office for account opening. You can use the IPPB app only for making online RD payments.
  • Q. Is post office RD tax-free?

    Ans. You can get tax benefits on the principal amount deposited in the post office RD scheme. These benefits are available under Sec 80 C of the Indian Income Tax Act. The interest earned on the RD is taxable under "Income from Other Sources" at the applicable income tax slab rates.
  • Q. Can I get my post office RD statement online?

    Ans. You can log in to your digital post office account and download your post office RD statement. You have to follow these steps:
    • Log in to your account with your customer ID and password. 
    • Under the 'Accounts' section on the website, click on 'Savings Account.' 
    • Select the 'Transaction History' tab.
    • Select the statement period, and click on 'Download Your Statement.'

Past 5 Year annualised returns as on 01-04-2024

^The tax benefits under Section 80C allow a deduction of up to ₹1.5 lakhs from the taxable income per year and 10(10D) tax benefits are for investments made up to ₹2.5 Lakhs/ year for policies bought after 1 Feb 2021. Tax benefits and savings are subject to changes in tax laws.

*All savings are provided by the insurer as per the IRDAI approved insurance plan.

Tax benefit is subject to changes in tax laws. Standard T&C Apply
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^^The information relating to mutual funds presented in this article is for educational purpose only and is not meant for sale. Investment is subject to market risks and the risk is borne by the investor. Please consult your financial advisor before planning your investments.

#The lumpsum benefit is calculated if policyholder invested ₹10000 monthly for 10 years in the fund with a policy term of 20 years. This Point To Point past performance data of last 10 years has been used to illustrate a scenario for the customers benefit. It is assumed that the past 10 years returns would have also been delivered in last 20 years. This is not guaranteed and not in anyway indicative of what the customer may actually get 20 years from now. The investment is subject to market risk and the risk is borne by the policyholder.

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