There are currently numerous investment options in the Indian financial market such as Post Office RD Scheme 2025. When it comes to investment options people tend to rely on government securities and investment instruments such as Fixed Deposit and Recurring Deposit. The Fixed Deposit is a one-time payment whereas the Recurring Deposit is a gradual collection in the form of small monthly installments.
The FD and RD investment options are offered by major banks in the Indian banking sector. Similarly, the India Post also offers RD investment options as Post Office RD Scheme 2025. The name of the India Post RD Scheme is “National Savings Recurring Deposit Account” that is available under its banking services in all of its major post office branches.
Post Office RD Scheme 2025
The India Post is a government entity that’s why the people prefer it for depositing their savings especially in the areas where other major banking institutions aren’t providing their banking services. The Post Office RD Scheme 2025 is one of the most preferred investment options wherein the depositor has the freedom to make small recurring deposits. Thereafter the depositor gets a lump-sum amount as returns on the investment upon maturity of the RD which is accumulated within the term of investment plus the interest. Here if the depositor makes a deposit of 3000/Month Post Office RD Scheme 2025 Deposit Amount then the Total returns will be up to ₹1,80,000 plus interest when the RD account completes its maturity term.
The National Savings Recurring Deposit Account is usually up to the term of 5 years or 60 months. However, the depositor can close the RD account prematurely as well after completing 3 years or 36 months. As a consequence the depositor will only get interest from the PO Savings account instead of the RD account. The depositor has to pay a monthly deposit that can be as low as ₹100 and upwards in the multiple of ₹10. There is no upper limit for making monthly deposits in the Post Office RD Scheme 2025.
Post Office RD Scheme 2025 Overview Details
| Title Name | Post Office RD Scheme 2025 |
| Associated Country | India |
| Relevant Authority | India Post |
| Scheme | National Savings Recurring Deposit Account |
| Minimum Investment limit in an RD | ₹100 per month |
| Maximum Investment limit in an RD | No limit but the monthly invested amount has to be in the multiple of ₹10 |
| Amount to be invested | ₹3000 per month |
| Amount to be received | ₹1,80,000+interest |
| Rate of Interest in an RD | 6.7% per annum |
| Compounding of interest in an RD | Quarterly |
| Maturity Term of RD | 60 months |
| Official Portal | www.indiapost.gov.in |
Eligibility for Opening Account Under the Post Office RD Scheme 2025
The person who is opening and account must fulfil the Post Office RD Scheme Eligibility 2025 mentioned below:
- An individual adult;
- A guardian opening account on behalf of the minor depositor;
- A guardian opening account on behalf of the depositor who is of unsound mind;
- A minor who is aged at least 10 years;
- Up to three adults, in case of opening a joint RD account.
Post Office RD Scheme 2025 Features
The Post Office RD Scheme 2025 has certain features that should be known to the depositors. These are as follows:
- There is not bar on opening multiple RD accounts by the depositor;
- The RD account opening can be initiated by making a deposit using cash or cheque. However, the date of deposit for Post Office RD Scheme 2025 will be determined as the date on which the said cheque was cleared;
- Monthly deposits shall be made as per the opening date of the account, i.e.:
- If the account is opened between 1st and 15th date of the month – deposit by 15th of the subsequent months;
- If the account is opened between 16th and last working day of the month – deposit by last working day of the subsequent months;
- The depositor can also make advance deposits under the Post Office RD Scheme 2025. Such advance deposits can be made for up to 5 years or 60 months;
- The depositor can also get a loan against the RD account which can only be availed upon completion of a year from the date of the account opening. Here, all monthly instalments for the preceding 12 months are to be duly paid. The loan against the RD account can be up to 50% of the deposited amount.
The interest rate offered to the RD account holder will be up to 6.7% per annum under the Post Office RD Scheme 2025. The compounding of the interest is calculated on a quarterly basis.
Post Office RD Scheme Deposit Amount & Total
The minimum amount to be deposited under the Post Office RD Scheme 2025 is ₹100 per month but if the depositor makes monthly installments of ₹3000 per month then the total amount that can be awarded to the depositor is ₹1,80,000+interest. It is possible because there is no maximum deposit limit for monthly installments made in the RD account. However, the monthly invested amount cannot be random and has to be in the multiple of ₹10.
Latest News on Post Office RD Scheme 2025
The interest rate of the RD account which has been currently given to the depositor is 6.7%. This has been applicable since January 1st, 2024. Therefore any RD account that has been opened since the said notified date will be given their deposit with the added returns as per this interest rate. However, if there is any change in the interest rate that will be duly notified by the India Post authorities to the depositor who can make their subsequent RD account opening on that updated interest rate. Therefore it can be said that it is a fixed rate of interest and any subsequent changes in interest rate won’t affect the previous RD accounts.
| KNIT NEWS HOME | CLICK HERE |
James Foster is a passionate writer at KnitCrate.com, specializing in finance, taxation, and public aid topics. With a knack for breaking down complex subjects, he delivers clear and insightful content for readers worldwide. When he’s not writing, James enjoys exploring economic trends and staying updated on global news.