Post Office RD Calculator
Find out exactly what your India Post recurring deposit grows to. This RD return calculator uses the Post Office method – quarterly compounding on every monthly instalment – at the post office interest rate for 2026 of 6.7% per annum.
Growth over time
The gap between the two lines is the interest earned – and it widens every year.
Year-wise growth of your Post Office RD
| Year | Deposited in year | Total deposited | Interest earned | Balance |
|---|
This RD calculator applies quarterly compounding, the method India Post uses. Each monthly instalment earns interest for the remaining months to maturity, so your earliest deposits earn the most. Interest on a Post Office RD is fully taxable and the scheme does not qualify for Section 80C. Rates are revised every quarter by the Ministry of Finance; the rate fixed when you open the account stays for the full term.
Post Office RD Calculator 2026 – plan your recurring deposit
A Post Office Recurring Deposit, officially the National Savings Recurring Deposit Account, lets you save a fixed amount every month for five years and earn a government-backed return. This RD return calculator shows your maturity value in seconds, using the same quarterly-compounding method that India Post uses, so the figure you see here closely matches what you will actually receive.
For the 2026 quarters of financial year 2026-27, the post office interest rate on RD is 6.7% per annum, compounded quarterly. You can start with as little as ₹100 a month, with further deposits in multiples of ₹10, and there is no upper limit on how much you invest.
How this RD calculator for the Post Office works
Unlike a fixed deposit, an RD is a stream of monthly deposits, so each instalment earns interest for a different length of time. Our rd calculator post office 2026 tool handles this correctly: it compounds the balance every quarter at the rate you enter and adds your monthly deposit each month. The result is the maturity amount, the total you put in, and the interest you earn on top.
Post Office RD interest rate 2026 at a glance
| Feature | Detail |
|---|---|
| Interest rate (2026) | 6.7% p.a., compounded quarterly |
| Minimum deposit | ₹100 per month (multiples of ₹10) |
| Maximum deposit | No upper limit |
| Standard tenure | 5 years (60 instalments) |
| Extension | Allowed in blocks of 5 years |
| Premature closure | Permitted after 3 years, with penalty |
| Loan facility | Up to 50% of the balance after 12 instalments |
| Section 80C benefit | Not available; interest is taxable |
Rate shown is for FY 2026-27 and is reviewed quarterly by the Ministry of Finance. Always confirm the current rate at your post office before opening an account.
Example: ₹5,000 a month for 5 years
If you deposit ₹5,000 every month into a Post Office RD at 6.7% for five years, you put in ₹3,00,000 in total. With quarterly compounding, it grows to roughly ₹3.56 lakh at maturity – about ₹56,000 of interest earned with zero market risk. Change the monthly amount above to see your own numbers instantly.
Frequently asked questions
What is the post office RD interest rate in 2026?
For financial year 2026-27, the Post Office RD interest rate is 6.7% per annum, compounded quarterly. The Ministry of Finance reviews small-savings rates every quarter, but the rate has been held at 6.7% across recent quarters.
How is Post Office RD maturity calculated?
India Post compounds interest quarterly. Every monthly instalment earns interest for the number of months remaining until maturity, so earlier deposits earn more than later ones. This rd calculator post office 2026 tool applies exactly that method, which is why its result matches the official maturity figure.
What is the minimum amount for a Post Office RD?
You can open an account with just ₹100 a month and add in multiples of ₹10. There is no maximum limit, so you can deposit as much as you like each month.
Is Post Office RD interest taxable?
Yes. Interest earned on a Post Office RD is fully taxable as per your income slab, and the scheme does not qualify for a deduction under Section 80C. TDS rules may apply above certain thresholds.
Can I withdraw my Post Office RD early?
Premature closure is generally allowed after three years from opening, subject to a penalty and revised interest. A loan of up to 50% of the balance is also available after 12 instalments.
What is the tenure of a Post Office RD?
The standard tenure is five years, which is 60 monthly instalments. The account can be extended in further blocks of five years, and this RD return calculator lets you model longer periods too.