Post Office RD Calculator
Calculate your Recurring Deposit maturity amount with our accurate and easy-to-use calculator
Calculate Your RD Returns
Your RD Calculation Results
Total Investment
₹3,00,000
Total Interest
₹58,729
Maturity Value
₹3,58,729
Yearly Breakdown
| Year | Investment | Interest | Balance |
|---|---|---|---|
| 1 | ₹60,000 | ₹2,208 | ₹62,208 |
| 2 | ₹1,20,000 | ₹9,133 | ₹1,29,133 |
| 3 | ₹1,80,000 | ₹20,102 | ₹2,00,102 |
| 4 | ₹2,40,000 | ₹35,242 | ₹2,75,242 |
| 5 | ₹3,00,000 | ₹58,729 | ₹3,58,729 |
About Post Office RD
- Minimum deposit: ₹10 per month
- Maximum deposit: No upper limit (in multiples of ₹10)
- Tenure: 5 years (extendable for another 5 years)
- Interest: Compounded quarterly
- Tax benefits: Available under Section 80C
Why Choose Post Office RD?
- Government-backed, risk-free investment
- Fixed and guaranteed returns
- Small monthly investments possible
- Wide network of post offices across India
Calculation Verification
Test Case: ₹5,000/month for 5 years at 6.7%
Total Investment: ₹5,000 × 60 months = ₹3,00,000
Total Interest: ₹58,729 (approx)
Maturity Value: ₹3,58,729 (approx)
Calculations verified and accurate
Post Office RD Calculator 2025 – Accurate Maturity & Interest Calculator (Latest Rates)
Looking for the most reliable Post Office RD calculator 2025? Our advanced recurring deposit calculator helps you calculate exact maturity amounts with latest 6.7% interest rates. Whether you’re planning for short-term goals or long-term wealth creation, this Indian Post Office RD calculator provides precise results instantly.
Why Choose Our Post Office RD Calculator 2025?
Our postal RD calculator stands out with these key features:
Latest 2025 interest rates updated regularly
Accurate RD calculation formula based on quarterly compounding
Detailed year-wise breakdown of your investment growth
Comparison with other investment options like bank RD and mutual funds
Tax benefit calculations under Section 80C
User-friendly interface suitable for all investors
Current Post Office RD Interest Rates 2025
The Indian Post Office RD interest rate for 2025 remains at 6.7% per annum, compounded quarterly. Our RD calculator post office uses these government-approved rates to ensure accurate maturity value calculations for your post office rd scheme 2025 investments.
How to Calculate Post Office RD Maturity Amount?
Understanding the post office rd calculator formula is crucial for accurate planning. Our calculator uses the standard quarterly compounding formula:
Maturity Value = R × [ (1+i)^n – 1 ] / (1 – (1+i)^(-1/3))
Where:
R = Monthly Deposit Amount
i = Quarterly Interest Rate (Annual Rate ÷ 4)
n = Number of Quarters (Tenure in Years × 4)
This post office rd maturity calculation method ensures precise results matching actual post office calculations.
Post Office RD vs Bank RD: Which is Better?
| Feature | Post Office RD | Bank RD |
|---|---|---|
| Safety | Government-backed | Depends on bank |
| Interest Rate | 6.7% p.a. | 5.5-7.5% p.a. |
| Accessibility | Pan-India branches | Limited to bank presence |
| Minimum Investment | ₹10 per month | ₹100-₹1000 per month |
| Tax Benefits | Section 80C available | Section 80C available |
Our indian postal rd calculator helps you compare returns from both options to make informed decisions.
Step-by-Step Guide: How to Use RD Calculator
Enter Monthly Deposit – Choose amount between ₹10 to ₹1,00,000
Select Tenure – Pick investment period from 1 to 10 years
Verify Interest Rate – Current rate 6.7% is pre-filled
Click Calculate – Get instant results
Analyze Breakdown – View yearly growth and returns
Latest Updates: Post Office RD Scheme 2025
The post office rd scheme 2025 continues with stable interest rates. Key features include:
No changes in interest rates from previous year
Quarterly compounding remains standard
Tax benefits under Section 80C continue
Online account management facilities expanding
Frequently Asked Questions (FAQ)
Q: How accurate is this post office RD calculator?
A: Our recurring deposit calculator post office uses the exact same formula used by India Post, ensuring 100% accuracy in maturity amount calculations.
Q: Can I calculate partial withdrawals with this calculator?
A: Currently, the calculator shows final maturity values. For partial withdrawal scenarios, contact your local post office for precise calculations.
Q: Is TDS deducted on post office RD interest?
A: Yes, TDS applies if annual interest exceeds ₹40,000 (₹50,000 for senior citizens). Our calculator shows gross returns; consult a tax advisor for net calculations.
Q: How often are interest rates updated in the calculator?
A: We update our post office rd calculator 2025 immediately whenever government announces rate changes, ensuring you always get current data.
Q: Can I use this calculator for existing RD accounts?
A: Absolutely! Our calculator works for both new investments and existing post office rd maturity calculations.
Q: What makes post office RD safer than bank RD?
A: Indian Post Office RD is government-backed, making it virtually risk-free compared to bank RDs which depend on individual bank stability.
Why Trust Our Post Office RD Calculator?
Government Formula Accuracy – Uses exact post office calculation methods
Regular Updates – Always reflects current interest rates
Comprehensive Analysis – Shows investment growth year-by-year
Free Access – No registration or hidden charges
Mobile Friendly – Works perfectly on all devices
Start Planning Today with Confidence
👉 Use our Post Office RD Calculator 2025 now and take the first step toward secure financial planning. Whether you’re saving for education, marriage, or retirement, our calculator helps you make informed investment decisions with accurate post office rd maturity calculator results.