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Post Office RD Calculator

Compute maturity of a Post Office Recurring Deposit using the official India Post quarterly-compounding formula.

Inputs

INR

India Post minimum is ₹100/month (no statutory maximum).

%

Govt-notified Post Office RD rate (currently 6.7%, Q3 FY 2025-26).

yrs

Standard tenure is 5 years; extendable in 5-year blocks.

Result

Maturity Value

₹356,829.14

After 5 years at 6.7% (quarterly compounding)

Total Deposited₹300,000.00
Interest Earned₹56,829.14

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Formula

Formula (India Post quarterly compounding): M = R × [(1 + i)^n − 1] / [1 − (1 + i)^(−1/3)] Variable definitions: • M = Maturity value at end of tenure (INR) • R = Monthly deposit / installment (INR) • i = Quarterly interest rate = (annual rate) / 400 • n = Total number of quarters = (tenure in months) / 3

How it works

The Post Office RD is a 5-year recurring deposit operated by India Post under the Government of India small savings programme. You deposit a fixed amount every month; interest is compounded quarterly and paid as a lump sum on maturity.

Example

Example: Example: ₹5,000 per month for 5 years at 6.7%. i = 6.7 / 400 = 0.01675 n = 60 / 3 = 20 quarters M ≈ ₹3,55,000 (rounded). Of this, ₹3,00,000 is your own deposit and ~₹55,000 is interest earned.

Frequently Asked Questions

Disclaimer: Results are estimates for informational purposes only and should not be considered financial, medical, legal, or professional advice. Always consult a qualified professional before making decisions.