Post Office RD Calculator
India Post 5-year Recurring Deposit at 6.7% (Q2 FY 2026-27) with quarterly compounding.
Deposit details
Min ₹100/mo, no upper cap
Q2 FY 2026-27: 6.7%
5 yrs
Rate & data freshness
Default rate based on the latest official Government of India notification. Please verify the current rate before making financial decisions.
Maturity value
₹3,56,829
at 6.7% quarterly compounding
- Total invested
- ₹3,00,000
- Interest earned
- ₹56,829
Interest is compounded quarterly. Loan facility up to 50% of balance after 12 months.
Invested vs interest
- Invested
- Interest
Total: ₹3.57 L
How the math works
M = R × [(1+i)ⁿ − 1] / (1 − (1+i)^(−1/3)) ; i = rate/4, n = months/3
- R
- Monthly deposit
- i
- Quarterly rate = annual / 4
- n
- Quarters = months / 3
How it works
- 1
Enter your monthly deposit amount (minimum ₹100, no upper limit).
- 2
CalcPe applies the notified Post Office RD rate (6.7%) and compounds quarterly.
- 3
Default tenure is 5 years; can be extended by 5-year blocks.
- 4
You get the maturity amount at the end.
A quick walkthrough
Inputs
₹5,000/month Post Office RD for 5 years at 6.7%.
Steps
- Total invested = 5,000 × 60 = ₹3 L
- Quarterly compounding applied
Result
Maturity ≈ ₹3.57 L · interest earned ≈ ₹57,000.
Why CalcPe’s Post Office RD Calculator
- Sovereign-backed — safer than bank RDs.
- Even ₹100/month accepted — very inclusive.
- Passbook-based; easy to operate at any post office.
- One-time loan facility up to 50% of balance after 1 year.