What is a â¹5,000 RD in the Post Office for 5 years?

A â¹5,000 Post Office Recurring Deposit (RD) for 5 years means you deposit â¹5,000 every month for five years. The deposited amount earns interest, which is compounded quarterly, and the maturity amount will include both your total deposits and the interest accrued over the period.

What is â¹1,000/RD in the Post Office calculator?

If you enter â¹1,000 as the monthly deposit in the Post Office RD Calculator, it will estimate the total maturity amount and interest earned for the chosen tenure and interest rate. The calculator helps you plan your savings effectively by showing expected returns based on your input.

How to calculate RD for 5 years?

To calculate a 5-year RD, enter the monthly deposit amount, interest rate, and tenure (60 months) into the Post Office RD Calculator. The tool will automatically compute the maturity value using quarterly compounding. You can also use the RD formula manually if desired.

What is RD â¹2,000 per month for 5 years?

A â¹2,000 monthly RD for 5 years means depositing â¹2,000 each month for 60 months. The Post Office RD Calculator will show the total maturity amount, including principal and interest earned, using the current interest rate and quarterly compounding.

Can I withdraw RD anytime?

You can close a Post Office RD after 3 years (premature closure), with interest rates applied at the Post Office Savings Account (POSA) interest rate. You can take a loan or partially withdraw after 12 deposits and one year for early access. Up to 50% of the balance is allowed, and interest is charged at the RD rate plus 2%.

Post Office RD Calculator

The Post Office Recurring Deposit Calculator helps you estimate the maturity value and interest on deposits with India Post. With a minimum deposit of ₹100 under the National Savings Recurring Deposit scheme, the calculator shows accurate results using the latest interest rates and quarterly compounding.

Investment Plans

Generate wealth Earn 1 Cr^# in maturity with Zero LTCG tax^¶
Double tax savings^ On premiums (under 80C) and on maturity (under 10(10D))
Compare & Choose 30+ Plans and 150+ Fund options

We are rated⁺⁺

10.5 Crore

Registered Consumer

Insurance Partners

5.3 Crore

Policies Sold

Top performing plans^˜ with High Returns^**

Invest ₹10K/month & Get ₹1 Crore^# Tax-Free^*

Your Name

+91

Mobile Number

Your personal information is secure with us

By clicking on "View Plans" you agree to our Privacy Policy and Terms of use

Get Updates on WhatsApp

What is the Post Office RD Calculator?

The Post Office RD calculator is a free online tool that helps you estimate how much your recurring deposit with India Post will grow by the end of its term. India Post, managed by the Department of Posts, operates the world’s largest postal network with over 1.55 lakh branches. Under this framework, IPPB was established and is fully owned by the Government of India. Among its various savings products is the National Savings Recurring Deposit scheme. Anyone opening an RD account at a Post Office can use the RD calculator to understand potential returns and manage their investment more effectively.

Key Features of the Post Office RD Calculator

The Post Office RD Calculator makes it easier for investors to plan their savings. Its key features include:

Easy to Use: Enter basic details like monthly deposit, interest rate, and tenure to get a maturity estimate instantly.
Accurate & Instant Results: Reflects the latest Post Office RD interest rates with quarterly compounding for reliable projections.
Custom Tenure & Deposit Options: You can test different deposit amounts and durations to see how they impact maturity value.
Helps Compare Scenarios: Quickly evaluate the effect of changing monthly contributions or extending tenure.

How the Post Office RD Calculator Works

To utilise the Post Office RD Calculator, follow these simple steps:

Enter Monthly Deposit Amount: Input the fixed amount you plan to deposit monthly.
Select Interest Rate: Choose the applicable interest rate for the RD scheme. Interest is typically compounded quarterly.
Specify Tenure: Indicate the duration of your investment. The Post Office Recurring Deposit has a base tenure of 5 years, with the option to continue for an additional 5 years.
Calculate: Click the 'Calculate' button to view your estimated maturity amount and total interest earned.

The RD calculator post office uses a formula that accounts for quarterly interest compounding to calculate the maturity amount accurately.

Example Calculation

Suppose you invest ₹2,000 every month for 5 years (60 months) at an annual interest rate of 6.70%.

Quarterly rate, i = 6.7 ÷ 4 ÷ 100 = 0.01675
Total quarters, n = 60 ÷ 3 = 20

Plug these into the formula:

M = 2,000×(1+0.01675)20−11−(1+0.01675)−1/3

M = 2,000{(1 + 0.01675)^{20} - 1}{1 - (1 + 0.01675)^{-1/3}}

M = 2,000×1−(1+0.01675)−1/3(1+0.01675)20−1

The result is roughly around ₹1,39,000, which includes your total deposits plus the interest earned.

Factors Affecting Post Office Recurring Deposit Returns

Several key factors determine the final maturity amount of a Post Office Recurring Deposit, and the Post Office Recurring Deposit Calculator can help investors understand how each of these factors affects their returns:

Monthly Deposit Amount: Higher monthly contributions lead to a larger maturity amount over time.
Interest Rate: Post Office RD interest rates are revised quarterly, so always use the latest applicable rate when estimating returns.
Investment Tenure: A longer tenure allows more compounding cycles, which increases total returns.
Compounding Frequency: Interest is compounded quarterly, adding to the final maturity value.
Missed Payments: Skipping or delaying deposits can lower overall earnings and may attract penalties.
Premature Withdrawal: Premature closure of a Post Office RD is allowed only after 3 years, and no closure is permitted until any advance-deposit period is completed.

Key Takeaways

The Post Office RD Calculator (also called the Postal RD calculator) helps you easily estimate the maturity amount of your recurring deposit. By entering the monthly deposit, tenure, and latest quarterly interest rate, you can see how your savings will grow with quarterly compounding. Higher monthly deposits and longer tenures increase your maturity value, while interest rates and quarterly compounding further boost growth. However, missed payments or premature withdrawals can lower earnings, making regular deposits and careful planning essential.

FAQs

What is a ₹5,000 RD in the Post Office for 5 years?

A ₹5,000 Post Office Recurring Deposit (RD) for 5 years means you deposit ₹5,000 every month for five years. The deposited amount earns interest, which is compounded quarterly, and the maturity amount will include both your total deposits and the interest accrued over the period.
What is ₹1,000/RD in the Post Office calculator?

If you enter ₹1,000 as the monthly deposit in the Post Office RD Calculator, it will estimate the total maturity amount and interest earned for the chosen tenure and interest rate. The calculator helps you plan your savings effectively by showing expected returns based on your input.
How to calculate RD for 5 years?

To calculate a 5-year RD, enter the monthly deposit amount, interest rate, and tenure (60 months) into the Post Office RD Calculator. The tool will automatically compute the maturity value using quarterly compounding. You can also use the RD formula manually if desired.
What is RD ₹2,000 per month for 5 years?

A ₹2,000 monthly RD for 5 years means depositing ₹2,000 each month for 60 months. The Post Office RD Calculator will show the total maturity amount, including principal and interest earned, using the current interest rate and quarterly compounding.
Can I withdraw RD anytime?

You can close a Post Office RD after 3 years (premature closure), with interest rates applied at the Post Office Savings Account (POSA) interest rate. You can take a loan or partially withdraw after 12 deposits and one year for early access. Up to 50% of the balance is allowed, and interest is charged at the RD rate plus 2%.

˜Top plans are based on annualized premium, for bookings made through https://www.policybazaar.com in FY 25. Policybazaar does not endorse, rate or recommend any particular insurer or insurance product offered by any insurer. This list of plans listed here comprise of insurance products offered by all the insurance partners of Policybazaar. For a complete list of insurers in India refer to the Insurance Regulatory and Development Authority of India website, www.irdai.gov.in

Past 10 Years' annualised returns as on 01-09-2025

^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).

Invest More Get More!

You Get

₹1 Crores*

You Invest

₹10K/month

You Get

₹80 Lakhs*

You Invest

₹8K/month

You Get