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Post Office RD: Grow Rs 4000 Monthly to Rs 2.85 Lakh in 5 Years
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News18•21-09-2026, 13:00
Post Office RD: Grow Rs 4000 Monthly to Rs 2.85 Lakh in 5 Years
- •The Post Office 5-Year Recurring Deposit (RD) offers a 6.7% annual interest rate, compounded quarterly, for July-September 2026.
- •Investing Rs 4,000 monthly for 5 years (total Rs 2.40 lakh principal) yields approximately Rs 45,463 in interest, resulting in a maturity payout of about Rs 2.85 lakh.
- •Accounts can be opened with a minimum of Rs 100 monthly, with higher investments in multiples of Rs 10, offering accessibility for various budgets.
- •Depositors can avail loans up to 50% of accrued balances after 12 months and premature closure is possible after 3 years under specific guidelines.
- •The scheme provides a risk-free, government-backed savings option, ideal for cautious investors seeking disciplined growth without market volatility.
Key Questions Answered
For the July-September 2026 quarter, the Post Office Recurring Deposit scheme offers an annual interest rate of 6.7 percent compounded quarterly, ensuring your deposits remain immune to market volatility.
Depositing Rs 4,000 every month for 5 years accumulates a principal investment of Rs 2.40 lakh, which earns roughly Rs 45,463 in interest at the current 6.7 percent rate to yield a final maturity payout of approximately Rs 2.85 lakh.
Yes, depositors can secure loans up to 50 percent of their accrued balances after completing at least 12 monthly installments and keeping the account active for one year.
