A 5-year Post Office Recurring Deposit (RD) of ₹6,000 per month (₹3,60,000 total) under India Post's National Savings RD scheme earns 6.7% per annum, compounded quarterly, as per government notification. Over a period of 60 months, your savings may reach approximately ₹4,28,130, earning around ₹68,130 in interest. This government-backed plan provides disciplined monthly deposits with secure, guaranteed returns.
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The ₹6,000 plan is a government-backed saving option where you deposit ₹6,000 every month for five years and receive compound interest. Your returns remain stable and predictable as the scheme is supported by the Government of India. Interest is compounded quarterly, so your balance grows steadily over time. Monthly savings done through a Post Office recurring deposit develop saving habits and grow wealth over time, making it a simple and secure long-term saving option.
How Your ₹6,000 Monthly Investment Grows
Recurring deposits earn through quarterly compounding, meaning every monthly instalment gains interest till the end of the term. Total maturity is calculated with the usual RD formula:
The RD maturity works on the basis of the following formula
M = R × [(1 + i)^n − 1] ÷ [1 − (1 + i)^(-1/3)]
Terms used in RD maturity Calculator
R
Monthly deposit
i
Quarterly interest rate
n
Total number of quarters
By investing ₹6,000 per month in the Post Office RD scheme for 5 years (60 months), your total deposits amount to ₹3,60,000. At the present interest rate of 6.7% per annum, compounded every quarter, your savings increase steadily over time.
With this rate, your investment may earn about ₹68,130 in interest, giving an estimated maturity amount of approximately ₹4,28,130 after five years.
The exact amount could vary slightly due to quarterly compounding or any changes in the Government of India's notified RD rates.
Key Features of Post Office RD ₹6,000 Scheme
The Post Office RD plan gives several simple advantages that keep it attractive to savers. Below are the main features.
Government-backed Safety: The scheme is entirely supported by the Government of India, which ensures total safety of your deposits. Your investment and the earned interest are fully protected.
Flexible Deposit Amount: While ₹6,000 is the deposit you wish to make monthly, the scheme allows starting with just ₹100 as a minimum. There is no maximum limit, making it suitable for both small and large savers.
Quarterly Compounding: Interest is calculated quarterly, which greatly improves your returns compared with simple interest.
Nomination Facility: You can appoint a nominee while opening your RD account, ensuring that your savings are safe and transferable in case of any unforeseen event.
Loan Facility Available: After completing one year of deposits, you may borrow up to 50% of your total balance. This gives access to funds when needed without closing your RD.
Advance Deposits Allowed: You can deposit future instalments in advance to earn interest on them sooner, giving you more flexibility in financial planning.
Transferable Account: If you move to a city, you can transfer your RD account to another post office branch without needing to close it.
Easy Access & Management: Whether online or offline, the account is simple to manage, across post offices in India run by India Post.
Eligibility Criteria for Post Office RD ₹6,000 Account
To start a Post Office RD ₹6,000 account, you must follow some basic eligibility rules. These rules make sure the account is easy to open while keeping proper documents and security.
Adult Individuals: Any Indian citizen aged 18 years or older can open the account.
Joint Accounts: Up to three adults can open a joint RD account.
Minors: Kids who are 10 years or above can hold an RD account, with a guardian managing it.
Guardian Accounts: Guardians can open RD accounts for minors or persons of unsound mind.
Nomination: A nominee must be provided at the time of account opening.
KYC Documents: Normal KYC records, including Aadhaar, PAN and proper address proof, are required.
How to Apply for the Post Office RD ₹6,000 Account
Opening a Post Office RD ₹6,000 account is easy and can be done either online or offline. Each method is simple and lets you start saving away with less paperwork.
Online Method
If you already use an IPPB or Post Office Savings Account, the online application stays quick and easy for users. Follow the given steps below:
Login or Register: Open or log in to your India Post Payments Bank account online.
Complete KYC: Submit Aadhaar and PAN details to complete KYC verification.
Select Recurring Deposit: Navigate to “Recurring Deposit” under savings products.
Enter Deposit Details: Input ₹6,000 as your monthly deposit and select a 5-year term.
Confirm Application: Review all details carefully and submit your application.
Start Deposits: Receive confirmation and ensure monthly deposits are made on schedule.
Offline Method
For users who want face-to-face guidance, the offline procedure is easy and managed by the post office team. Here are the steps to apply offline:
Visit the Branch: Go to your nearest post office branch.
Request Application Form: Ask for a Post Office RD account application form.
Fill in Details: Complete personal information, nominee details, and monthly deposit amount.
Submit Documents: Provide Aadhaar, PAN, and address proof for verification.
Make Initial Deposit: Pay the first ₹6,000 in cash or by cheque.
Receive Passbook: Collect your passbook with your RD account number and schedule future deposits.
Loan, Default, and Withdrawal Rules
Before starting a Post Office RD ₹6,000 account, you should know the rules on loans, missed payments, and withdrawals. This helps manage your account properly.
Loan against RD: After maintaining deposits for one year, you may apply for a loan up to 50% of your current balance.
Default Rules: If you miss a monthly deposit by the due date, a small default fee is charged. After 4 defaults, your account becomes discontinued unless you revive it within two months by paying missed deposits and fees.
Premature Withdrawal: You can withdraw or close your RD account before five years only after completing 3 years, and that may lead to interest at a lower rate for the period before closure.
Key Takeaways
The Post Office RD ₹6,000 per month for 5 years is a dependable and adaptable savings plan. With quarterly compounding at 6.7% p.a., your funds increase gradually, supported by the Government of India. Accessible online and offline, it allows loans and premature withdrawals. Though interest is taxable, it offers a risk-free way to build a substantial corpus for short- or long-term goals.
Frequently Asked Questions
Can I open multiple RD accounts?
Multiple Post Office RD ₹6,000 Plan accounts can be opened individually or jointly to grow your savings in a secure way.
What if I miss a monthly deposit?
For the Post Office RD ₹6,000 Plan, a small penalty applies. Multiple defaults may discontinue the account unless revived.
Can I withdraw before maturity?
You may close your RD before maturity, but only after three years, with interest paid at a reduced rate.
Is there an upper limit on monthly deposits?
Currently, there exists no fixed ceiling for monthly deposits; hence, you are allowed to invest over ₹6,000 every month.
˜The insurers/plans mentioned are arranged in order of highest to lowest first year premium (sum of individual single premium and individual non-single premium) offered by Policybazaar’s insurer partners offering life insurance investment plans on our platform, as per ‘first year premium of life insurers as at 31.03.2025 report’ published by IRDAI. Policybazaar does not endorse, rate or recommend any particular insurer or insurance product offered by any insurer. For complete list of insurers in India refer to the IRDAI website www.irdai.gov.in
Disclaimer: #The investment risk in the portfolio is borne by the policyholder. Life insurance is available in this product. The maturity amount of Rs 1 Cr. is for a 30 year old healthy individual investing Rs 10,000/- per month for 30 years, with assumed rates of returns @ 8% p.a. that is not guaranteed and is not the upper or lower limits as the value of your policy depends on a number of factors including future investment performance. In Unit Linked Insurance Plans, the investment risk in the investment portfolio is borne by the policyholder and the returns are not guaranteed. Maturity Value: ₹1,05,02,174 @ CAGR 8%; ₹50,45,591 @ CAGR 4%. *Tax benefits and savings are subject to changes in tax laws. All plans listed here are of insurance companies’ funds.
Past 10 Years' annualised returns as on 01-02-2026
^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
++Source - Google Review Rating available on:- http://bit.ly/3J20bXZ
^^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.
¶Long-term capital gains (LTCG) tax (12.5%) is exempted on annual premiums up to 2.5 lacs.
**Returns are based on past 10 years’ fund performance data (Fund Data Source: Value Research).
Generate wealth Earn 1 Cr# in maturity with Zero LTCG tax¶
Double tax savings^ On premiums (under 80C) and on maturity (under 10(10D))
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