The Post Office RD Scheme 2025 is an ideal small savings plan offered by the Ministry of Finance through the Indian Post Office. It allows Indian citizens to invest with as little as ₹100 per month, making it a popular choice for salaried individuals, homemakers, students, and small business owners. With a competitive
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The Post Office RD Scheme 2025 is an ideal small savings plan offered by the Ministry of Finance through the Indian Post Office. It allows Indian citizens to invest with as little as ₹100 per month, making it a popular choice for salaried individuals, homemakers, students, and small business owners. With a competitive interest rate of 6.7% per annum, the scheme ensures safe and stable returns.
In this blog post, we cover everything you need to know about the Recurring Deposit (RD) Scheme by India Post, including how to apply online, key features, benefits, eligibility, and a simple interest calculator.
Overview of Post Office RD Scheme 2025
| Feature | Details |
|---|---|
| Scheme Name | Post Office RD Scheme 2025 |
| Scheme Type | Small Saving Recurring Deposit |
| Launched By | Ministry of Finance, Government of India |
| Beneficiaries | Indian Citizens |
| Minimum Deposit | ₹100 per month (or in multiples of ₹10) |
| Interest Rate (2025) | 6.7% per annum (compounded quarterly) |
| Lock-in Period | 5 Years (premature withdrawal allowed after 1 year) |
| Mode of Application | Online / Offline (at nearest Post Office) |
| Official Website | www.indiapost.gov.in |
Key Benefits of Post Office RD Scheme
Here are the top reasons why the Post Office Recurring Deposit Scheme is a trusted investment choice for crores of Indians:
Start small: Begin with just ₹100 per month.
Attractive interest: 6.7% per annum, compounded quarterly.
Safe investment: Backed by the Government of India.
Premature withdrawal: Up to 50% allowed after 1 year.
Flexible deposit: Any amount in multiples of ₹10.
Fixed returns: Ideal for long-term saving goals.
Low risk: No market fluctuation impact.
Available to all citizens: Individuals, minors (through guardians), and joint account holders.
Post Office RD Interest Calculator (Example)
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You can use the official Post Office RD Calculator to estimate returns. Here’s an example:
Investment: ₹1,000 per month
Duration: 5 years
Interest Rate: 6.7% p.a. (quarterly compounded)
Maturity Amount: ~₹70,260
Total Interest Earned: ~₹10,260
Use the online calculator available on India Post’s official site to get exact results based on your investment amount and duration.
Eligibility Criteria for RD Scheme
The Post Office RD Scheme is open to all Indian citizens. The following account types are allowed:
Single Adult Account
Joint Account (Up to 3 adults)
Guardian on behalf of minor (Below 18 years)
Minor aged 10 years and above (in own name)
Documents Required to Open an RD Account
To apply for the RD Scheme, keep the following documents ready:
Aadhar Card (mandatory)
PAN Card
Recent passport-size photo
Proof of Address (utility bill, rent agreement, etc.)
Filled application form
Initial deposit amount (minimum ₹100)
How to Apply Online for Post Office RD Scheme 2025
You can apply for the Post Office RD Scheme from the comfort of your home by following these steps:
Online Method:
Visit https://www.indiapost.gov.in.
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Navigate to the “Savings Bank” section.
Select “Recurring Deposit (RD)” option.
Click on “Application Form” or open an account via Internet Banking (if already registered).
Fill in all required details and upload your documents.
Submit and make your first deposit.
Offline Method (Post Office Visit):
Visit your nearest Post Office.
Ask for the RD Scheme application form or download it here.
Fill out the form with a blue pen.
Attach required documents.
Submit to the Postmaster and deposit the amount.
Download RD Application Form PDF
Click here to Download the RD Application Form (PDF)
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Frequently Asked Questions (FAQs)
1. What is the minimum deposit for the Post Office RD Scheme?
You can start with just ₹100 per month, or any amount in multiples of ₹10.
2. What is the interest rate for RD in 2025?
The interest rate is 6.7% per annum, compounded quarterly.
3. Can I withdraw money before 5 years?
Yes, after 1 year, up to 50% of the balance can be withdrawn in case of emergency.
4. Who can open a Post Office RD account?
Any Indian citizen, including minors (through guardians), can open an account.
5. Can I apply online for the RD Scheme?
Yes, you can apply online at www.indiapost.gov.in or visit your local Post Office.
6. Is Post Office RD better than bank RD?
Post Office RD offers competitive interest rates and government-backed safety, making it ideal for low-risk savers.
7. Is premature closure allowed?
Yes, premature closure is permitted after 3 years with applicable conditions.
8. Can I open multiple RD accounts in the Post Office?
Yes, there’s no restriction on the number of RD accounts you can open.
9. How is the interest calculated in RD?
Interest is compounded quarterly and added to your account at regular intervals.
10. Is TDS applicable on Post Office RD interest?
No TDS is deducted. However, interest earned is taxable as per the individual’s tax slab.
The Post Office RD Scheme 2025 is an excellent way to build a disciplined savings habit and earn safe, stable returns over the long term. Whether you’re a salaried employee, a homemaker, or a student, this scheme is suitable for all who want to secure their future.
Start saving today with just ₹100 per month and build a corpus for emergencies, education, travel, or retirement. For more details, visit www.indiapost.gov.in or head to your nearest post office.
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