{"id":15455,"date":"2022-08-26T10:05:36","date_gmt":"2022-08-26T04:35:36","guid":{"rendered":"https:\/\/kuvera.in\/blog\/?p=15455"},"modified":"2023-07-25T13:10:17","modified_gmt":"2023-07-25T07:40:17","slug":"post-office-recurring-deposit-calculator","status":"publish","type":"post","link":"https:\/\/kuvera.in\/blog\/post-office-recurring-deposit-calculator\/","title":{"rendered":"Post Office Recurring Deposit Interest Rates"},"content":{"rendered":"<div id=\"ez-toc-container\" class=\"ez-toc-v2_0_40 counter-hierarchy ez-toc-counter ez-toc-light-blue ez-toc-container-direction\">\n<div class=\"ez-toc-title-container\">\n<p class=\"ez-toc-title\">Table of Contents<\/p>\n<span class=\"ez-toc-title-toggle\"><a href=\"#\" class=\"ez-toc-pull-right ez-toc-btn ez-toc-btn-xs ez-toc-btn-default ez-toc-toggle\" area-label=\"ez-toc-toggle-icon-1\"><label for=\"item-69d1fb7c0ce5b\" aria-label=\"Table of Content\"><span style=\"display: flex;align-items: center;width: 35px;height: 30px;justify-content: center;direction:ltr;\"><svg style=\"fill: #999;color:#999\" xmlns=\"http:\/\/www.w3.org\/2000\/svg\" class=\"list-377408\" width=\"20px\" height=\"20px\" viewBox=\"0 0 24 24\" fill=\"none\"><path d=\"M6 6H4v2h2V6zm14 0H8v2h12V6zM4 11h2v2H4v-2zm16 0H8v2h12v-2zM4 16h2v2H4v-2zm16 0H8v2h12v-2z\" fill=\"currentColor\"><\/path><\/svg><svg style=\"fill: #999;color:#999\" class=\"arrow-unsorted-368013\" xmlns=\"http:\/\/www.w3.org\/2000\/svg\" width=\"10px\" height=\"10px\" viewBox=\"0 0 24 24\" version=\"1.2\" baseProfile=\"tiny\"><path d=\"M18.2 9.3l-6.2-6.3-6.2 6.3c-.2.2-.3.4-.3.7s.1.5.3.7c.2.2.4.3.7.3h11c.3 0 .5-.1.7-.3.2-.2.3-.5.3-.7s-.1-.5-.3-.7zM5.8 14.7l6.2 6.3 6.2-6.3c.2-.2.3-.5.3-.7s-.1-.5-.3-.7c-.2-.2-.4-.3-.7-.3h-11c-.3 0-.5.1-.7.3-.2.2-.3.5-.3.7s.1.5.3.7z\"\/><\/svg><\/span><\/label><input  type=\"checkbox\" id=\"item-69d1fb7c0ce5b\"><\/a><\/span><\/div>\n<nav><ul class='ez-toc-list ez-toc-list-level-1 ' ><li class='ez-toc-page-1 ez-toc-heading-level-3'><a class=\"ez-toc-link ez-toc-heading-1\" href=\"https:\/\/kuvera.in\/blog\/post-office-recurring-deposit-calculator\/#Features_Of_Post_Office_Recurring_Deposit\" title=\"Features Of Post Office Recurring Deposit\">Features Of Post Office Recurring Deposit<\/a><\/li><li class='ez-toc-page-1 ez-toc-heading-level-3'><a class=\"ez-toc-link ez-toc-heading-2\" href=\"https:\/\/kuvera.in\/blog\/post-office-recurring-deposit-calculator\/#What_Is_A_Post_Office_Recurring_Deposit_RD_Calculator\" title=\"What Is A Post Office Recurring Deposit (RD) Calculator?\">What Is A Post Office Recurring Deposit (RD) Calculator?<\/a><\/li><li class='ez-toc-page-1 ez-toc-heading-level-3'><a class=\"ez-toc-link ez-toc-heading-3\" href=\"https:\/\/kuvera.in\/blog\/post-office-recurring-deposit-calculator\/#Post_Office_Recurring_Deposit_RD_Formula\" title=\"Post Office Recurring Deposit (RD) Formula\">Post Office Recurring Deposit (RD) Formula<\/a><\/li><li class='ez-toc-page-1 ez-toc-heading-level-3'><a class=\"ez-toc-link ez-toc-heading-4\" href=\"https:\/\/kuvera.in\/blog\/post-office-recurring-deposit-calculator\/#Post_Office_RD_Calculator_Inputs\" title=\"Post Office RD Calculator Inputs\">Post Office RD Calculator Inputs<\/a><\/li><li class='ez-toc-page-1 ez-toc-heading-level-3'><a class=\"ez-toc-link ez-toc-heading-5\" href=\"https:\/\/kuvera.in\/blog\/post-office-recurring-deposit-calculator\/#The_Benefits_Of_Using_A_Post_Office_Recurring_Deposit_Calculator\" title=\"The Benefits Of Using A Post Office Recurring Deposit Calculator\">The Benefits Of Using A Post Office Recurring Deposit Calculator<\/a><\/li><li class='ez-toc-page-1 ez-toc-heading-level-3'><a class=\"ez-toc-link ez-toc-heading-6\" href=\"https:\/\/kuvera.in\/blog\/post-office-recurring-deposit-calculator\/#Factors_affecting_RD_Interest_Rates\" title=\"Factors affecting RD Interest Rates\">Factors affecting RD Interest Rates<\/a><\/li><li class='ez-toc-page-1 ez-toc-heading-level-3'><a class=\"ez-toc-link ez-toc-heading-7\" href=\"https:\/\/kuvera.in\/blog\/post-office-recurring-deposit-calculator\/#What_are_the_eligibility_criteria_for_opening_a_Post_Office_Recurring_Deposit_account\" title=\"What are the eligibility criteria for opening a Post Office Recurring Deposit account?\">What are the eligibility criteria for opening a Post Office Recurring Deposit account?<\/a><\/li><li class='ez-toc-page-1 ez-toc-heading-level-3'><a class=\"ez-toc-link ez-toc-heading-8\" href=\"https:\/\/kuvera.in\/blog\/post-office-recurring-deposit-calculator\/#The_Advantages_Of_A_Recurring_Deposit_Account\" title=\"The Advantages Of A Recurring Deposit Account\">The Advantages Of A Recurring Deposit Account<\/a><\/li><li class='ez-toc-page-1 ez-toc-heading-level-3'><a class=\"ez-toc-link ez-toc-heading-9\" href=\"https:\/\/kuvera.in\/blog\/post-office-recurring-deposit-calculator\/#Disadvantages_Of_Recurring_Deposit_Account\" title=\"Disadvantages Of Recurring Deposit Account\">Disadvantages Of Recurring Deposit Account<\/a><\/li><li class='ez-toc-page-1 ez-toc-heading-level-3'><a class=\"ez-toc-link ez-toc-heading-10\" href=\"https:\/\/kuvera.in\/blog\/post-office-recurring-deposit-calculator\/#Post_Office_RD_Interest_Rates_2022\" title=\"Post Office RD Interest Rates 2022\">Post Office RD Interest Rates 2022<\/a><ul class='ez-toc-list-level-4'><li class='ez-toc-heading-level-4'><a class=\"ez-toc-link ez-toc-heading-11\" href=\"https:\/\/kuvera.in\/blog\/post-office-recurring-deposit-calculator\/#Frequently_Asked_Questions_FAQs\" title=\"Frequently Asked Questions (FAQs)\">Frequently Asked Questions (FAQs)<\/a><\/li><li class='ez-toc-page-1 ez-toc-heading-level-4'><a class=\"ez-toc-link ez-toc-heading-12\" href=\"https:\/\/kuvera.in\/blog\/post-office-recurring-deposit-calculator\/#What_are_Recurring_Deposits_RD\" title=\"What are Recurring Deposits (RD)?\">What are Recurring Deposits (RD)?<\/a><\/li><li class='ez-toc-page-1 ez-toc-heading-level-4'><a class=\"ez-toc-link ez-toc-heading-13\" href=\"https:\/\/kuvera.in\/blog\/post-office-recurring-deposit-calculator\/#Interested_in_how_we_think_about_the_markets\" title=\"Interested in how we think about the markets?\">Interested in how we think about the markets?<\/a><\/li><\/ul><\/li><\/ul><\/nav><\/div>\n<p><span style=\"font-weight: 400;\">Recurring Deposits (RD) are a type of savings option that can help investors save funds for the future. With an RD account, individuals can regularly save a small amount with monthly contributions for a predetermined length of time and earn interest on those deposits. Once the RD deposit matures, the principal and accrued interest are paid. As the interest rate is fixed for the duration of the RD, it is simple to calculate how much one can make by investing in recurring deposits (RD). Unlike some investment products, it does not change, making it an attractive savings scheme.<\/span><\/p>\n<p>&nbsp;<\/p>\n<h4><a href=\"https:\/\/kuvera.in\/fixed-deposit\/all\"><img loading=\"lazy\" class=\"alignnone wp-image-25320\" src=\"https:\/\/kuvera.in\/blog\/wp-content\/uploads\/2023\/07\/FD-Banner-9.10-01-300x75.jpg\" alt=\"\" width=\"400\" height=\"100\" srcset=\"https:\/\/kuvera.in\/blog\/wp-content\/uploads\/2023\/07\/FD-Banner-9.10-01-300x75.jpg 300w, https:\/\/kuvera.in\/blog\/wp-content\/uploads\/2023\/07\/FD-Banner-9.10-01-150x38.jpg 150w, https:\/\/kuvera.in\/blog\/wp-content\/uploads\/2023\/07\/FD-Banner-9.10-01.jpg 600w\" sizes=\"(max-width: 400px) 100vw, 400px\" \/><\/a><\/h4>\n<p>&nbsp;<\/p>\n<p><span style=\"font-weight: 400;\">Like with any other type of savings account, the interest rate on RDs varies from bank to bank. Usually, for different time periods, interest rates in Indian banks range between 3.5-8.5%. Senior citizen\u2019s RD accounts have an interest rate that is a little higher than those of normal accounts. Most banks give senior citizens an additional rate of between 0.25%-0.75%. The interest on recurring deposits is compounded quarterly. An RD account can be opened by any person or minor under the supervision of a legal guardian. Most banks also provide Flexi Recurring Deposit accounts. At his or her convenience, the investor in this can invest a flexible amount of money at regular intervals. The bank lets the depositor choose a core amount that will be the fundamental investment in each interval, and the investor can invest in multiples of the core amount in each interval.<\/span><\/p>\n<p>&nbsp;<\/p>\n<p><span style=\"font-weight: 400;\">India Post, which is run by the Department of Posts, was founded in 1854 and has its main office in New Delhi. With more than 1.55 lakh post offices, the organization has one of the largest postal delivery networks in the entire world. The Indian government introduced the India Post Payments Bank (IPPB) in 2018. It is a government-owned public sector bank that is also run by the Department of Posts.<\/span><\/p>\n<p>&nbsp;<\/p>\n<p><span style=\"font-weight: 400;\">India Post offers banking and remittance products and schemes. One of these is the National Savings Recurring Deposit Account scheme. The returns from a Post Office RD investment can be calculated with the assistance of a RD calculator. It is an easy-to-use application that calculates the amount of money gained and the overall corpus formed using simple variables like investment amount, interest rate, and tenure.<\/span><\/p>\n<p>&nbsp;<\/p>\n<h3><span class=\"ez-toc-section\" id=\"Features_Of_Post_Office_Recurring_Deposit\"><\/span>Features Of Post Office Recurring Deposit<span class=\"ez-toc-section-end\"><\/span><\/h3>\n<p>&nbsp;<\/p>\n<p><span style=\"font-weight: 400;\">The Post Office&#8217;s RD programme offers a variety of advantages and features. A few of them are:<\/span><\/p>\n<p>&nbsp;<\/p>\n<ul>\n<li style=\"font-weight: 400;\" aria-level=\"1\"><b>Limited Restrictions:<\/b><span style=\"font-weight: 400;\"> To start an RD account, investors can deposit as little as Rs. 10 per month, and there is no maximum deposit amount. While starting their RD account at a post office, applicants can deposit their funds in cash or by check. For opening a recurring deposit account with the Post Office, the minimum amount is Rs.100 per month or any amount in multiples of Rs.10.<\/span><\/li>\n<\/ul>\n<p>&nbsp;<\/p>\n<ul>\n<li style=\"font-weight: 400;\" aria-level=\"1\"><b>Operations:<\/b><span style=\"font-weight: 400;\"> In the event that a Post Office RD is opened in a minor&#8217;s name, it may be operated jointly. The account can be operated jointly. If a person over the age of 18 opens the account, the principal applicant may operate the account either alone or jointly as well.<\/span><\/li>\n<\/ul>\n<p>&nbsp;<\/p>\n<ul>\n<li style=\"font-weight: 400;\" aria-level=\"1\"><b>Interest:<\/b><span style=\"font-weight: 400;\"> This RD plan is competitive in the market and offers a fixed rate of interest. Interest accrued on a quarterly basis is compounded, allowing investors to generate consistent returns.<\/span><\/li>\n<\/ul>\n<p>&nbsp;<\/p>\n<ul>\n<li style=\"font-weight: 400;\" aria-level=\"1\"><b>Nomination:<\/b><span style=\"font-weight: 400;\"> The system permits applicants to designate a beneficiary to receive the settlement in the event of death. When opening an account at the post office, investors have the option of choosing the nomination facility. This is also possible once the account has been opened.<\/span><\/li>\n<\/ul>\n<p>&nbsp;<\/p>\n<ul>\n<li style=\"font-weight: 400;\" aria-level=\"1\"><b>Transfer of funds:<\/b><span style=\"font-weight: 400;\"> RD account holders can open as many accounts as they want at the numerous post offices throughout the nation. They can also effortlessly transfer money from their RD to their savings account.<\/span><\/li>\n<\/ul>\n<p>&nbsp;<\/p>\n<ul>\n<li style=\"font-weight: 400;\" aria-level=\"1\"><b>Withdrawal:<\/b><span style=\"font-weight: 400;\"> The Post Office RD makes it simple for applicants to take money out of their accounts. A year following the account&#8217;s opening, account holders are permitted to withdraw up to 50% of their deposit balance.<\/span><\/li>\n<\/ul>\n<p>&nbsp;<\/p>\n<h3><span class=\"ez-toc-section\" id=\"What_Is_A_Post_Office_Recurring_Deposit_RD_Calculator\"><\/span>What Is A Post Office Recurring Deposit (RD) Calculator?<span class=\"ez-toc-section-end\"><\/span><\/h3>\n<p>&nbsp;<\/p>\n<p><span style=\"font-weight: 400;\">An online tool known as the Post Office <a href=\"https:\/\/kuvera.in\/calculators\/rd-calculator\">RD calculator<\/a> assists in calculating the maturity and interest amounts of an RD investment. By calculating the returns on a Post Office RD investment, investors may make informed financial choices. One of the post office&#8217;s savings schemes is recurring deposits. It enables investors to consistently make moderate investments. A Post Office RD&#8217;s minimum investment duration is five years. The Post Office RD&#8217;s interest is compounded four times every year. Calculating PORD interest manually can be complex and time-consuming. Therefore, one can utilize a Post Office RD calculator to determine their possible returns.<\/span><\/p>\n<p>&nbsp;<\/p>\n<h3><span class=\"ez-toc-section\" id=\"Post_Office_Recurring_Deposit_RD_Formula\"><\/span>Post Office Recurring Deposit (RD) Formula<span class=\"ez-toc-section-end\"><\/span><\/h3>\n<p>&nbsp;<\/p>\n<p>&nbsp;<\/p>\n<p><span style=\"font-weight: 400;\">One can use the following formula to determine a Post Office Recurring Deposit (RD)&#8217;s maturity value:<\/span><\/p>\n<p>&nbsp;<\/p>\n<pre style=\"padding-left: 40px;\">M=R[(1+<i>i<\/i>)*(n-1)]\/1-(1+<i>i<\/i>)^(-1\/3))<\/pre>\n<p><span style=\"font-weight: 400;\">Where,<\/span><\/p>\n<p>M<span style=\"font-weight: 400;\"> = Maturity amount<\/span><\/p>\n<p>R<span style=\"font-weight: 400;\"> = Monthly Installment<\/span><\/p>\n<p>N<span style=\"font-weight: 400;\"> = number of quarters (tenure)<\/span><\/p>\n<p><i>i <\/i><span style=\"font-weight: 400;\">= Rate of interest\/400<\/span><\/p>\n<p>&nbsp;<\/p>\n<p><span style=\"font-weight: 400;\">Let&#8217;s use Mr. Ram Prasad as an example. He intends to invest INR 2,000 per month in a Post Office Recurring Deposit. He expects an annual interest of 5.8%. The Post Office Recurring Deposit has a five-year term, which equates to 20 quarters. Mr. Prasad&#8217;s maturity value will be<\/span><\/p>\n<p>&nbsp;<\/p>\n<pre style=\"padding-left: 40px;\">M<span style=\"font-weight: 400;\">=2,000*[(1+5.8\/400)*(20-1)]\/1-((1+5.8\/400)^(-1\/3))<\/span><\/pre>\n<p>&nbsp;<\/p>\n<p><span style=\"font-weight: 400;\">The maturity value = Rs. 1,39,393<\/span><\/p>\n<p><span style=\"font-weight: 400;\">The investment amount =\u00a0 Rs. 1,20,000<\/span><\/p>\n<p><span style=\"font-weight: 400;\">Estimated returns = Rs.19,393<\/span><\/p>\n<p>&nbsp;<\/p>\n<h3><span class=\"ez-toc-section\" id=\"Post_Office_RD_Calculator_Inputs\"><\/span>Post Office RD Calculator Inputs<span class=\"ez-toc-section-end\"><\/span><\/h3>\n<p>&nbsp;<\/p>\n<p><span style=\"font-weight: 400;\">The following are the inputs of a Post Office RD calculator:<\/span><\/p>\n<p>&nbsp;<\/p>\n<ul>\n<li><b>Monthly Deposit Amount:<\/b><span style=\"font-weight: 400;\"> The amount one intends to invest in post office RD accounts on a monthly basis.<\/span><\/li>\n<\/ul>\n<p>&nbsp;<\/p>\n<ul>\n<li><b>Recurring Deposit Term:<\/b><span style=\"font-weight: 400;\"> This refers to the Post Office RD scheme&#8217;s investment period. The fixed term of a Post Office RD is 5 years (60 months).<\/span><\/li>\n<\/ul>\n<p>&nbsp;<\/p>\n<ul>\n<li><b>Recurring Deposit Interest Rate:<\/b><span style=\"font-weight: 400;\"> The interest rate offered to account holders via recurring deposit schemes is known as the &#8220;recurring deposit interest rate.&#8221; 5.8% is the current interest rate.<\/span><\/li>\n<\/ul>\n<p>&nbsp;<\/p>\n<p><span style=\"font-weight: 400;\">The calculator will produce the following results after we enter the above inputs:<\/span><\/p>\n<p>&nbsp;<\/p>\n<ul>\n<li style=\"font-weight: 400;\" aria-level=\"1\"><b>Total Investment<\/b><span style=\"font-weight: 400;\">: This refers to the total sum of money that the account holder has invested during a 60-month period.<\/span><\/li>\n<\/ul>\n<p>&nbsp;<\/p>\n<ul>\n<li style=\"font-weight: 400;\" aria-level=\"1\"><b>Gained Wealth<\/b><span style=\"font-weight: 400;\">: This is the interest income that the investor has received on their investment.<\/span><\/li>\n<\/ul>\n<p>&nbsp;<\/p>\n<ul>\n<li style=\"font-weight: 400;\" aria-level=\"1\"><b>Total Corpus<\/b><span style=\"font-weight: 400;\">: It is the sum total of all investments and gains. It represents the projected value of all investments made over a five-year period.<\/span><\/li>\n<\/ul>\n<p>&nbsp;<\/p>\n<h3><span class=\"ez-toc-section\" id=\"The_Benefits_Of_Using_A_Post_Office_Recurring_Deposit_Calculator\"><\/span>The Benefits Of Using A Post Office Recurring Deposit Calculator<span class=\"ez-toc-section-end\"><\/span><\/h3>\n<p>&nbsp;<\/p>\n<p><span style=\"font-weight: 400;\">The following are the benefits of using a Post Office Recurring Deposit Calculator:<\/span><\/p>\n<p>&nbsp;<\/p>\n<ul>\n<li style=\"font-weight: 400;\" aria-level=\"1\"><b>Free to use:<\/b><span style=\"font-weight: 400;\"> Anyone may use the calculator for free by accessing it online. It is free to use and can be used numerous times.<\/span><\/li>\n<\/ul>\n<p>&nbsp;<\/p>\n<ul>\n<li style=\"font-weight: 400;\" aria-level=\"1\"><b>Simple:<\/b><span style=\"font-weight: 400;\"> The Post Office Recurring Deposit calculator is a simple and easy tool. One can easily enter the needed information to get the output.<\/span><\/li>\n<\/ul>\n<p>&nbsp;<\/p>\n<ul>\n<li style=\"font-weight: 400;\" aria-level=\"1\"><b>Results:<\/b><span style=\"font-weight: 400;\"> The calculator&#8217;s results are quite accurate, and the likelihood of error is almost zero. One can confidently rely on the calculator&#8217;s output.<\/span><\/li>\n<\/ul>\n<p>&nbsp;<\/p>\n<ul>\n<li style=\"font-weight: 400;\" aria-level=\"1\"><b>Saves Time:<\/b><span style=\"font-weight: 400;\"> Calculating the interest on an RD investment can be difficult and time-consuming. The investor can save time by using the Post Office&#8217;s RD calculator to perform the same task.<\/span><\/li>\n<\/ul>\n<p>&nbsp;<\/p>\n<ul>\n<li style=\"font-weight: 400;\" aria-level=\"1\"><b>Comparison:<\/b><span style=\"font-weight: 400;\"> Choose the bank that offers the highest return by comparing its return on deposit (RD) with the Post Office&#8217;s RD.<\/span><\/li>\n<\/ul>\n<p>&nbsp;<\/p>\n<ul>\n<li style=\"font-weight: 400;\" aria-level=\"1\"><b>Future Planning:<\/b><span style=\"font-weight: 400;\"> The calculator enables investors to more efficiently plan their future investments. Investors can better plan their goals by being aware of the possible returns from an investment.<\/span><\/li>\n<\/ul>\n<p>&nbsp;<\/p>\n<h3><span class=\"ez-toc-section\" id=\"Factors_affecting_RD_Interest_Rates\"><\/span>Factors affecting RD Interest Rates<span class=\"ez-toc-section-end\"><\/span><\/h3>\n<p>&nbsp;<\/p>\n<p><span style=\"font-weight: 400;\">The interest rates on RD change from time to time. Multiple factors have an impact on RD interest rates. A few of them are discussed below.<\/span><\/p>\n<p>&nbsp;<\/p>\n<ul>\n<li style=\"font-weight: 400;\" aria-level=\"1\"><b>RBI Policies:<\/b><span style=\"font-weight: 400;\"> The interest rate of all banking instruments, including recurring deposits (RD), is influenced by the Cash Reserve Ratio (CRR) and repo rate.<\/span><\/li>\n<\/ul>\n<p>&nbsp;<\/p>\n<ul>\n<li style=\"font-weight: 400;\" aria-level=\"1\"><b>State Of The Economy:<\/b><span style=\"font-weight: 400;\"> In a growing economy, people take more credit. Banks frequently raise the interest rates on recurring deposits (RD) in order to increase money and satisfy credit demand. When there is a recession, the RBI releases money to the market to create liquidity. Banks decrease their RD interest rates when liquidity is high and credit demand is low.<\/span><\/li>\n<\/ul>\n<p>&nbsp;<\/p>\n<h3><span class=\"ez-toc-section\" id=\"What_are_the_eligibility_criteria_for_opening_a_Post_Office_Recurring_Deposit_account\"><\/span>What are the eligibility criteria for opening a Post Office Recurring Deposit account?<span class=\"ez-toc-section-end\"><\/span><\/h3>\n<p>&nbsp;<\/p>\n<p><span style=\"font-weight: 400;\">The following are the eligibility criteria for opening RD accounts in India:<\/span><\/p>\n<p>&nbsp;<\/p>\n<ul>\n<li style=\"font-weight: 400;\" aria-level=\"1\"><span style=\"font-weight: 400;\">All Indian nationals over the age of 18 can open a Post Office Recurring Deposit account.<\/span><\/li>\n<li style=\"font-weight: 400;\" aria-level=\"1\"><span style=\"font-weight: 400;\">A guardian on behalf of a minor<\/span><\/li>\n<li style=\"font-weight: 400;\" aria-level=\"1\"><span style=\"font-weight: 400;\">A guardian on behalf of a person of unsound mind<\/span><\/li>\n<li style=\"font-weight: 400;\" aria-level=\"1\"><span style=\"font-weight: 400;\">A minor above 10 years in his own name.<\/span><\/li>\n<\/ul>\n<p>&nbsp;<\/p>\n<h3><span class=\"ez-toc-section\" id=\"The_Advantages_Of_A_Recurring_Deposit_Account\"><\/span>The Advantages Of A Recurring Deposit Account<span class=\"ez-toc-section-end\"><\/span><\/h3>\n<p>&nbsp;<\/p>\n<p><span style=\"font-weight: 400;\">While the recurring deposit arrangement appears attractive, it really is\u00a0 beneficial to customers. The following are some significant benefits of recurring deposit accounts:<\/span><\/p>\n<p>&nbsp;<\/p>\n<ul>\n<li aria-level=\"1\"><b>Online Investing:<\/b><span style=\"font-weight: 400;\"> Online investing has made it simpler than ever to invest in recurring deposits. The internet and the digital revolution have made investing online easy and hassle-free.\u00a0<\/span><\/li>\n<\/ul>\n<p><b><\/b><br \/>\n<b><\/b><\/p>\n<ul>\n<li aria-level=\"1\"><b>Facilitates Achieving Short-Term Goals:<\/b><span style=\"font-weight: 400;\"> By making recurring deposits, investors can increase their capital and achieve their short-term goals. The important thing in this situation is to protect invested funds and avoid taking on risky positions in order to earn lucrative returns. As a result, investing in programmes like recurring deposit accounts enables them to make regular savings over time while letting their money grow risk-free.\u00a0<\/span><\/li>\n<\/ul>\n<p><b><\/b><br \/>\n<b><\/b><\/p>\n<ul>\n<li aria-level=\"1\"><b>Lower Risk:<\/b><span style=\"font-weight: 400;\"> recurring deposit schemes are as safe as savings and <a href=\"https:\/\/kuvera.in\/fixed-deposit\/all\">fixed deposit<\/a> accounts. This is what makes it a popular option for risk-averse investors. Recurring deposits are ideal for people who place a greater emphasis on the safety of their invested funds than on returns.<\/span><\/li>\n<\/ul>\n<p><b><\/b><br \/>\n<b><\/b><\/p>\n<ul>\n<li aria-level=\"1\"><b>Simple documentation:<\/b><span style=\"font-weight: 400;\"> It is not difficult to arrange the documentation needed to start a recurring deposit account. All resident individuals can open a recurring deposit with a linked savings account. This is one of the fastest, easiest, and risk-free ways to build wealth and save money.<\/span><\/li>\n<\/ul>\n<p><b><\/b><br \/>\n<b><\/b><\/p>\n<ul>\n<li aria-level=\"1\"><b>Disciplined Investing: <\/b><span style=\"font-weight: 400;\">The creation of wealth requires disciplined investing. A recurring deposit can help investors develop the habit of saving money, whether it be for investments or for their earnings.<\/span><\/li>\n<\/ul>\n<p><b><\/b><br \/>\n<b><\/b><\/p>\n<ul>\n<li aria-level=\"1\"><b>Returns:<\/b><span style=\"font-weight: 400;\"> A recurring deposit account also has the important benefit of offering lucrative returns. They frequently offer interest rates that are higher than those of fixed-rate deposits. Also, these are returns with little to no risk. Regular deposits provide profitable returns, low risk, and flexibility for investment and withdrawal.<\/span><\/li>\n<\/ul>\n<p>&nbsp;<\/p>\n<h3><span class=\"ez-toc-section\" id=\"Disadvantages_Of_Recurring_Deposit_Account\"><\/span>Disadvantages Of Recurring Deposit Account<span class=\"ez-toc-section-end\"><\/span><\/h3>\n<p>&nbsp;<\/p>\n<p><span style=\"font-weight: 400;\">The following are some of the disadvantages of the recurring deposit schemes:<\/span><\/p>\n<p>&nbsp;<\/p>\n<ul>\n<li style=\"font-weight: 400;\" aria-level=\"1\"><span style=\"font-weight: 400;\"><strong>Premature Withdrawal:<\/strong> Recurring deposits have a lock-in time that is chosen when the account is opened. Early withdrawals are permitted, although there is a penalty associated with it.\u00a0<\/span><\/li>\n<\/ul>\n<p>&nbsp;<\/p>\n<ul>\n<li style=\"font-weight: 400;\" aria-level=\"1\"><span style=\"font-weight: 400;\"><strong>Returns:<\/strong> While the returns of RD schemes sound attractive, they are still modest when compared to market-linked returns, which are often provided by <a href=\"https:\/\/kuvera.in\/mutual-funds\/all\">mutual funds<\/a> and other <a href=\"https:\/\/kuvera.in\/stocks\/listing\/all\">stock market<\/a> products like shares and bonds. While there is risk associated with investing in market-linked instruments, investors are typically rewarded for taking on that risk in the form of higher returns.<\/span><\/li>\n<\/ul>\n<p>&nbsp;<\/p>\n<ul>\n<li style=\"font-weight: 400;\" aria-level=\"1\"><span style=\"font-weight: 400;\"><strong>Liquidity:<\/strong> There may be instances in which investors might require money right away. Recurring deposits lock in the funds for the predetermined tenure the investments are made for. This can lead to liquidity problems if they suddenly require money unless the money is put in flexible RD accounts.<\/span><\/li>\n<\/ul>\n<p>&nbsp;<\/p>\n<ul>\n<li style=\"font-weight: 400;\" aria-level=\"1\"><span style=\"font-weight: 400;\"><strong>Monthly Installments:<\/strong> While disciplined investing is good, it can occasionally cause problems, particularly when an investor is running short of funds. Investors\u00a0 will always need to prioritize and put aside the monthly investment amount for the RD account. Non-payment of installments may incur unnecessary penalty fees.<\/span><\/li>\n<\/ul>\n<p>&nbsp;<\/p>\n<h3><span class=\"ez-toc-section\" id=\"Post_Office_RD_Interest_Rates_2022\"><\/span>Post Office RD Interest Rates 2022<span class=\"ez-toc-section-end\"><\/span><\/h3>\n<p>&nbsp;<\/p>\n<p><span style=\"font-weight: 400;\">The Post Office RD interest rate is determined by the government and announced every quarter.<\/span><\/p>\n<p>&nbsp;<\/p>\n<table style=\"width: 100%;\" border=\"1.0\">\n<tbody>\n<tr>\n<td><b>Quarter<\/b><\/td>\n<td style=\"text-align: center;\"><b>Interest Rate<\/b><\/td>\n<\/tr>\n<tr>\n<td><span style=\"font-weight: 400;\">July 2020 \u2013 Till Date<\/span><\/td>\n<td style=\"text-align: center;\"><span style=\"font-weight: 400;\">5.8%<\/span><\/td>\n<\/tr>\n<tr>\n<td><span style=\"font-weight: 400;\">Quarter 1\u2014April 2020 to June 2020<\/span><\/td>\n<td style=\"text-align: center;\"><span style=\"font-weight: 400;\">5.8%<\/span><\/td>\n<\/tr>\n<tr>\n<td><span style=\"font-weight: 400;\">Quarter 4 \u2013 Jan 2020 to Mar 2020<\/span><\/td>\n<td style=\"text-align: center;\"><span style=\"font-weight: 400;\">7.2%<\/span><\/td>\n<\/tr>\n<tr>\n<td><span style=\"font-weight: 400;\">Quarter 3 \u2013 Oct 2019 to Dec 2019<\/span><\/td>\n<td style=\"text-align: center;\"><span style=\"font-weight: 400;\">7.2%<\/span><\/td>\n<\/tr>\n<tr>\n<td><span style=\"font-weight: 400;\">Quarter 2 \u2013 Jul 2019 to Sep 2019<\/span><\/td>\n<td style=\"text-align: center;\"><span style=\"font-weight: 400;\">7.2%<\/span><\/td>\n<\/tr>\n<tr>\n<td><span style=\"font-weight: 400;\">Quarter 1 \u2013 Apr 2019 to Jun 2019<\/span><\/td>\n<td style=\"text-align: center;\"><span style=\"font-weight: 400;\">7.3%<\/span><\/td>\n<\/tr>\n<tr>\n<td><span style=\"font-weight: 400;\">Quarter 4 \u2013 Jan 2019 to Mar 2019<\/span><\/td>\n<td style=\"text-align: center;\"><span style=\"font-weight: 400;\">7.3%<\/span><\/td>\n<\/tr>\n<tr>\n<td><span style=\"font-weight: 400;\">Quarter 3 \u2013 Oct 2018 to Dec 2018<\/span><\/td>\n<td style=\"text-align: center;\"><span style=\"font-weight: 400;\">7.3%<\/span><\/td>\n<\/tr>\n<tr>\n<td><span style=\"font-weight: 400;\">Quarter 2 \u2013 Jul 2018 to Sep 2018<\/span><\/td>\n<td style=\"text-align: center;\"><span style=\"font-weight: 400;\">6.9%<\/span><\/td>\n<\/tr>\n<tr>\n<td><span style=\"font-weight: 400;\">Quarter 1 \u2013 Apr 2018 to Jun 2018<\/span><\/td>\n<td style=\"text-align: center;\"><span style=\"font-weight: 400;\">6.9%<\/span><\/td>\n<\/tr>\n<tr>\n<td><span style=\"font-weight: 400;\">Quarter 4 \u2013 Jan 2018 to Mar 2018<\/span><\/td>\n<td style=\"text-align: center;\"><span style=\"font-weight: 400;\">6.9%<\/span><\/td>\n<\/tr>\n<tr>\n<td><span style=\"font-weight: 400;\">Quarter 3 \u2013 Oct 2017 to Dec 2017<\/span><\/td>\n<td style=\"text-align: center;\"><span style=\"font-weight: 400;\">7.1%<\/span><\/td>\n<\/tr>\n<tr>\n<td><span style=\"font-weight: 400;\">Quarter 2 \u2013 Jul 2017 to Sep 2017<\/span><\/td>\n<td style=\"text-align: center;\"><span style=\"font-weight: 400;\">7.1%<\/span><\/td>\n<\/tr>\n<tr>\n<td><span style=\"font-weight: 400;\">Quarter 1 \u2013 Apr 2017 to Jun 2017<\/span><\/td>\n<td style=\"text-align: center;\"><span style=\"font-weight: 400;\">7.2%<\/span><\/td>\n<\/tr>\n<tr>\n<td><span style=\"font-weight: 400;\">Quarter 4 \u2013 Jan 2017 to Mar 2017<\/span><\/td>\n<td style=\"text-align: center;\"><span style=\"font-weight: 400;\">7.3%<\/span><\/td>\n<\/tr>\n<tr>\n<td><span style=\"font-weight: 400;\">Quarter 3 \u2013 Oct 2016 to Dec 2016<\/span><\/td>\n<td style=\"text-align: center;\"><span style=\"font-weight: 400;\">7.3%<\/span><\/td>\n<\/tr>\n<tr>\n<td><span style=\"font-weight: 400;\">Quarter 2 \u2013 Jul 2016 to Sep 2016<\/span><\/td>\n<td style=\"text-align: center;\"><span style=\"font-weight: 400;\">7.4%<\/span><\/td>\n<\/tr>\n<tr>\n<td style=\"text-align: left;\"><span style=\"font-weight: 400;\">Quarter 1 \u2013 Apr 2016 to Jun 2016<\/span><\/td>\n<td style=\"text-align: center;\"><span style=\"font-weight: 400;\">7.4%<\/span><\/td>\n<\/tr>\n<\/tbody>\n<\/table>\n<p>&nbsp;<\/p>\n<p>&nbsp;<\/p>\n<h4><span class=\"ez-toc-section\" id=\"Frequently_Asked_Questions_FAQs\"><\/span>Frequently Asked Questions (FAQs)<span class=\"ez-toc-section-end\"><\/span><\/h4>\n<p>&nbsp;<\/p>\n<ul>\n<li aria-level=\"1\">\n<h4><span class=\"ez-toc-section\" id=\"What_are_Recurring_Deposits_RD\"><\/span>What are Recurring Deposits (RD)?<span class=\"ez-toc-section-end\"><\/span><\/h4>\n<\/li>\n<\/ul>\n<p>&nbsp;<\/p>\n<p><span style=\"font-weight: 400;\">Recurring Deposits (RDs) are a type of investment that demands recurring monthly fixed deposits for a set period of time and earns an interest rate. Once an RD matures, the investor receives a lump sum plus interest.<\/span><\/p>\n<p>&nbsp;<\/p>\n<p>&nbsp;<\/p>\n<h4><span class=\"ez-toc-section\" id=\"Interested_in_how_we_think_about_the_markets\"><\/span>Interested in how we think about the markets?<span class=\"ez-toc-section-end\"><\/span><\/h4>\n<p>Read more:\u00a0<a href=\"https:\/\/kuvera.in\/blog\/category\/zen-and-the-art-of-investing\/\" target=\"_blank\" rel=\"noopener noreferrer\"><strong>Zen And The Art Of Investing<\/strong><\/a><\/p>\n<p>Watch\/hear on YouTube:<\/p>\n<p>&nbsp;<\/p>\n<p style=\"padding-left: 40px;\">\n<style>.embed-container { position: relative; padding-bottom: 56.25%; height: 0; overflow: hidden; max-width: 100%; } .embed-container iframe, .embed-container object, .embed-container embed { position: absolute; top: 0; left: 0; width: 100%; height: 100%; }<\/style>\n<\/p>\n<style>.embed-container { position: relative; padding-bottom: 56.25%; height: 0; overflow: hidden; max-width: 100%; } .embed-container iframe, .embed-container object, .embed-container embed { position: absolute; top: 0; left: 0; width: 100%; height: 100%; }<\/style>\n<div class=\"embed-container\"><iframe src=\"https:\/\/www.youtube.com\/embed\/f7yfzUhQDiM\" frameborder=\"0\" allowfullscreen=\"allowfullscreen\"><span data-mce-type=\"bookmark\" style=\"display: inline-block; width: 0px; overflow: hidden; line-height: 0;\" class=\"mce_SELRES_start\">\ufeff<\/span><\/iframe><\/div>\n<p>&nbsp;<\/p>\n<p>Start investing through a platform that brings goal planning and investing to your fingertips. Visit\u00a0<a href=\"https:\/\/app.kuvera.in\/\">Kuvera.in<\/a>\u00a0to discover\u00a0<a href=\"https:\/\/kuvera.in\/blog\/direct-plans-better\/\">Direct Plans<\/a>\u00a0and\u00a0<a href=\"https:\/\/app.kuvera.in\/explore\/fixed-deposit\/c\/all\">Fixed Deposits<\/a>\u00a0and\u00a0<a href=\"https:\/\/kuvera.in\/user\/login\">start investing today.<\/a><\/p>\n<p>#MutualFundSahiHai #KuveraSabseSahiHai!<\/p>\n","protected":false},"excerpt":{"rendered":"<p>Recurring Deposits (RD) are a type of savings option that can help investors save funds for the future. With an RD account, individuals can regularly save a small amount with monthly contributions for a predetermined length of time and earn interest on those deposits. Once the RD deposit matures, the principal and accrued interest are [&#8230;]<\/p>\n<p><a class=\"btn btn-secondary understrap-read-more-link\" href=\"https:\/\/kuvera.in\/blog\/post-office-recurring-deposit-calculator\/\">Read More&#8230;<\/a><\/p>\n","protected":false},"author":11,"featured_media":15540,"comment_status":"open","ping_status":"open","sticky":false,"template":"","format":"standard","meta":{"_mi_skip_tracking":false},"categories":[99,593],"tags":[1428,1427,641],"yoast_head":"<!-- This site is optimized with the Yoast SEO plugin v20.6 - https:\/\/yoast.com\/wordpress\/plugins\/seo\/ -->\n<title>Post Office RD Calculator &amp; Interest Rates - Kuvera<\/title>\n<meta name=\"description\" content=\"Post Office Recurring Deposit Calculator is used to determine the maturity amount of an Post office RD investment based on interest rates.\" \/>\n<meta name=\"robots\" content=\"index, follow, max-snippet:-1, max-image-preview:large, max-video-preview:-1\" \/>\n<link rel=\"canonical\" href=\"https:\/\/kuvera.in\/blog\/post-office-recurring-deposit-calculator\/\" \/>\n<meta property=\"og:locale\" content=\"en_US\" \/>\n<meta property=\"og:type\" content=\"article\" \/>\n<meta property=\"og:title\" content=\"Post Office RD Calculator &amp; Interest Rates - 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