Post Office RD Scheme: You know, saving money isn’t always about how much you earn it’s about how regularly you save. The Post Office RD Scheme is perfect for people who want steady growth without any risk. It’s safe, government-backed, and gives you fixed returns no matter what’s happening in the market. Now, here’s something interesting if you deposit ₹28,000 every month, you’ll get a return of around ₹19,98,244 after 5 years. Let’s break it down in simple words so you can see how the numbers actually work.
What Makes Post Office RD So Reliable
The Post Office Recurring Deposit (RD) is one of those old but golden savings options that still hold strong today. It’s designed for people who want to save a fixed amount each month and earn guaranteed interest on it. The current interest rate is 6.7% per annum, compounded quarterly. You can start this RD with as little as ₹100, but there’s no limit on how much you can deposit. The more you invest, the bigger your returns and all with zero market risk.
Read more: EMI and Interest Calculation for ₹15 Lakh Personal Loan
₹28,000 Monthly Deposit Complete 5-Year Calculation
| Year | Monthly Deposit | Total Deposited Till Year-End | Value at Year-End (6.7% Interest) |
|---|---|---|---|
| 1st Year | ₹28,000 per month | ₹3,36,000 | ₹3,46,872 |
| 2nd Year | ₹28,000 per month | ₹6,72,000 | ₹7,07,844 |
| 3rd Year | ₹28,000 per month | ₹10,08,000 | ₹10,96,479 |
| 4th Year | ₹28,000 per month | ₹13,44,000 | ₹15,17,552 |
| 5th Year | ₹28,000 per month | ₹16,80,000 | ₹19,98,244 |
So, you’ll invest ₹16.8 lakh in total, and by the end of 5 years, you’ll receive ₹19,98,244, which means a gain of over ₹3.18 lakh all without taking any risk. That’s the power of disciplined savings and compounding interest working silently in your favor.
Why People Still Prefer RD in 2025
Sure, there are many new-age investment options now mutual funds, SIPs, and all that but not everyone wants to deal with risks. The Post Office RD is still trusted because it gives predictable growth, no matter what happens to the market or economy.
It’s also a great choice for small business owners, salaried people, or parents who want to save for their children’s future goals school fees, higher education, or even a marriage fund. You can even open multiple RDs for different goals. It’s like having mini-savings boxes each one growing safely every month.
Conclusion
The Post Office RD Scheme proves that steady savings always pay off. By depositing ₹28,000 every month, you can build nearly ₹20 lakh in just 5 years safely and with guaranteed returns. It’s a simple plan for anyone who believes in consistent effort over quick risks.
Disclaimer
This article is for educational and general information purposes only. Post Office interest rates may change from time to time as per government updates. Please confirm the latest rate and terms from your nearest post office or official India Post website before investing.
