"Behtar Byajdar Ke Saath Nishchint Nivesh!"
About Post Office Recurring Deposit (RD)
The Post Office Recurring Deposit (RD) is a government-backed savings scheme that allows individuals to make regular monthly deposits and earn a fixed interest rate over a specific tenure. It is a secure and disciplined savings option, ideal for individuals looking to accumulate wealth over time with guaranteed returns. The scheme is offered by India Post and is considered one of the safest investment options available.
With a tenure of 5 years and the option to extend, the Post Office RD scheme helps investors cultivate the habit of systematic savings while earning compounded interest. It is an excellent choice for risk-averse individuals who want stable returns without exposure to market fluctuations.
Types of Post Office Recurring Deposit (RD)
High Return Potential
Equities have the potential to generate significant wealth over the long term, outperforming traditional savings instruments.
Ownership in Companies
Investing in equities gives shareholders ownership in the company, allowing them to benefit from its growth and performance.
Partial Withdrawal Facility
Investors can withdraw up to 50% of the balance after completing one year, subject to certain conditions.
Fixed Tenure
The scheme has a standard tenure of 5 years, with the option to extend for additional years.
No Market Risk
Since the scheme is not linked to market performance,
Loan Facility
Depositors can avail of a loan against their RD balance after one year of continuous deposits.
Post Office Recurring Deposit (RD) Eligibility Criteria
Investment Calculator
Final Investment Value: 0 INR
Our Clients
Our home loan clients trust us to provide tailored financial solutions that make homeownership more accessible and affordable. With competitive interest rates, flexible repayment options, and a seamless application process, we help individuals and families achieve their dream of owning a home. Our commitment to customer satisfaction ensures personalized service and expert guidance at every step.
98%
Satisfied Customers
84%
Home Loans Disbursed
88%
Loan Approval Rate
Documents Required For Post Office Recurring Deposit (RD)
- Aadhaar Card
- PAN Card
- Voter ID
- Passport
- Driving License
- Electricity/Water/Gas Bill (not older than 3 months)
- Bank Passbook/Statement with Address
- Ration Card
- Rent Agreement (if applicable)
Cancelled cheque or bank passbook copy for linking the investment account to a savings account.
Birth Certificate, School Leaving Certificate, or Passport (for minor accounts or senior citizen schemes).
Secure Your Family’s Future with SIMFINN Post Office Recurring Deposit (RD) Protect Your Loved Ones with a High Sum Assured
FAQs About Post Office Recurring Deposit (RD)
The standard tenure of a Post Office RD is 5 years, with an option to extend it further.
Yes, the interest earned is subject to taxation as per the investor’s income tax slab.
Partial withdrawals are allowed after one year, but premature closure of the account before 3 years may attract penalties.
Yes, a loan can be availed against the RD balance after one year of continuous deposits.
The minimum monthly deposit is Rs. 100, and there is no maximum limit.
No, NRIs are not eligible to open a Post Office RD account.