{"id":17196,"date":"2022-10-06T12:14:30","date_gmt":"2022-10-06T06:44:30","guid":{"rendered":"https:\/\/kuvera.in\/blog\/?p=17196"},"modified":"2022-10-06T12:20:32","modified_gmt":"2022-10-06T06:50:32","slug":"post-office-rd-interest-rates","status":"publish","type":"post","link":"https:\/\/kuvera.in\/blog\/post-office-rd-interest-rates\/","title":{"rendered":"Post Office RD 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-69d2b2c86f0ab\" 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-69d2b2c86f0ab\"><\/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-rd-interest-rates\/#Components_Of_Post_Office_Recurring_Deposit_Scheme\" title=\"Components Of Post Office Recurring Deposit Scheme\">Components Of Post Office Recurring Deposit Scheme<\/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-rd-interest-rates\/#Premature_Withdrawal_of_Post_Office_RD\" title=\"Premature Withdrawal of Post Office RD\">Premature Withdrawal of Post Office RD<\/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-rd-interest-rates\/#Eligibility_Requirements_for_the_Post_Office_RD\" title=\"Eligibility Requirements for the Post Office RD\">Eligibility Requirements for the Post Office RD<\/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-rd-interest-rates\/#Documents_Required\" title=\"Documents Required\">Documents Required<\/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-rd-interest-rates\/#Maturity_of_Post_Office_RD_Scheme\" title=\"Maturity of Post Office RD Scheme\">Maturity of Post Office RD Scheme<\/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-rd-interest-rates\/#Loan_Against_Recurring_Post_Office_Deposit\" title=\"Loan Against Recurring Post Office Deposit\">Loan Against Recurring Post Office Deposit<\/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-rd-interest-rates\/#Repayment_in_Case_of_Death\" title=\"Repayment in Case of Death\">Repayment in Case of Death<\/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-rd-interest-rates\/#Procedure_on_Minor_Attaining_Majority\" title=\"Procedure on Minor Attaining Majority\">Procedure on Minor Attaining Majority<\/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-rd-interest-rates\/#Default_in_Post_Office_Recurring_Deposits\" title=\"Default in Post Office Recurring Deposits\">Default in Post Office Recurring Deposits<\/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-rd-interest-rates\/#Post_Office_RD_Interest_Rate_Calculation\" title=\"Post Office RD Interest Rate Calculation\">Post Office RD Interest Rate Calculation<\/a><\/li><li class='ez-toc-page-1 ez-toc-heading-level-3'><a class=\"ez-toc-link ez-toc-heading-11\" href=\"https:\/\/kuvera.in\/blog\/post-office-rd-interest-rates\/#Inputs_in_Post_Office_RD_Calculator\" title=\"Inputs in Post Office RD Calculator\">Inputs in Post Office RD Calculator<\/a><\/li><li class='ez-toc-page-1 ez-toc-heading-level-3'><a class=\"ez-toc-link ez-toc-heading-12\" href=\"https:\/\/kuvera.in\/blog\/post-office-rd-interest-rates\/#Benefits_of_using_a_Post_Office_Recurring_Deposit_Calculator\" title=\"Benefits of using a Post Office Recurring Deposit Calculator\">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-13\" href=\"https:\/\/kuvera.in\/blog\/post-office-rd-interest-rates\/#Interest_Rates_for_Post_Office_RD_in_2022\" title=\"Interest Rates for Post Office RD in 2022\">Interest Rates for Post Office RD in 2022<\/a><ul class='ez-toc-list-level-4'><li class='ez-toc-heading-level-4'><a class=\"ez-toc-link ez-toc-heading-14\" href=\"https:\/\/kuvera.in\/blog\/post-office-rd-interest-rates\/#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-15\" href=\"https:\/\/kuvera.in\/blog\/post-office-rd-interest-rates\/#What_are_some_important_features_of_Post_Office_Recurring_Deposits_PORD\" title=\"What are some important features of Post Office Recurring Deposits (PORD)?\">What are some important features of Post Office Recurring Deposits (PORD)?<\/a><\/li><li class='ez-toc-page-1 ez-toc-heading-level-4'><a class=\"ez-toc-link ez-toc-heading-16\" href=\"https:\/\/kuvera.in\/blog\/post-office-rd-interest-rates\/#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;\">The India Post offers a five-year recurring deposit (RD) scheme that allows customers to save a part of their income and earn interest for a period of time until the amount is deposited. Typically, a customer opens a recurring deposit for a specified period during which he can make deposits monthly or quarterly, depending on the terms of the deposit scheme he selects. A recurring deposit requires the customer to make <a href=\"https:\/\/kuvera.in\/fixed-deposit\/all\">fixed deposits<\/a>.<\/span><\/p>\n<p>&nbsp;<\/p>\n<p><a href=\"https:\/\/kuvera.in\/fixed-deposit\/all\"><img loading=\"lazy\" class=\"aligncenter wp-image-14483 size-large\" src=\"https:\/\/kuvera.in\/blog\/wp-content\/uploads\/2022\/08\/fd-blog-01-1-1024x334.jpg\" sizes=\"(max-width: 640px) 100vw, 640px\" srcset=\"https:\/\/kuvera.in\/blog\/wp-content\/uploads\/2022\/08\/fd-blog-01-1-1024x334.jpg 1024w, https:\/\/kuvera.in\/blog\/wp-content\/uploads\/2022\/08\/fd-blog-01-1-300x98.jpg 300w, https:\/\/kuvera.in\/blog\/wp-content\/uploads\/2022\/08\/fd-blog-01-1-768x250.jpg 768w, https:\/\/kuvera.in\/blog\/wp-content\/uploads\/2022\/08\/fd-blog-01-1-150x49.jpg 150w, https:\/\/kuvera.in\/blog\/wp-content\/uploads\/2022\/08\/fd-blog-01-1.jpg 1080w\" alt=\"kuvera-fixed-deposit-online\" width=\"640\" height=\"209\" \/><\/a><\/p>\n<p>&nbsp;<\/p>\n<h3><span class=\"ez-toc-section\" id=\"Components_Of_Post_Office_Recurring_Deposit_Scheme\"><\/span>Components Of Post Office Recurring Deposit Scheme<span class=\"ez-toc-section-end\"><\/span><\/h3>\n<p>&nbsp;<\/p>\n<ul>\n<li aria-level=\"1\"><b>Tenure<\/b><\/li>\n<\/ul>\n<p>&nbsp;<\/p>\n<p><span style=\"font-weight: 400;\">Unlike most banks, the Post Office RD has a fixed tenure of 5 years. The Post Office RD has a fixed duration of 5 years, and the account must be activated within this time frame. The Post Office RD contains a provision that extends the maximum tenure to 10 years.<\/span><\/p>\n<p>&nbsp;<\/p>\n<ul>\n<li aria-level=\"1\"><b>Minimum and Maximum Deposit<\/b><\/li>\n<\/ul>\n<p>&nbsp;<\/p>\n<p><span style=\"font-weight: 400;\"><a href=\"https:\/\/kuvera.in\/blog\/recurring-deposits\/\">Recurring deposits<\/a> are one of the most popular investment tools and help to increase returns on monthly investments. Generally, minimum deposits are kept very low in consideration of people&#8217;s budgets, especially those who are sceptical of the interest rate and deposit amount, as well as the minimum deposit amount. The minimum amount of monthly deposit in an account shall be one hundred rupees or any sum in multiples of ten rupees<\/span><\/p>\n<p>&nbsp;<\/p>\n<ul>\n<li aria-level=\"1\"><b>Dates of Deposit<\/b><\/li>\n<\/ul>\n<p>&nbsp;<\/p>\n<p><span style=\"font-weight: 400;\">A post office RD requires a total of sixty deposits or one deposit per month for five years. The initial deposit is made when the account is opened, with subsequent monthly deposits due on or before a specific date, depending on the date the account was opened. Individuals who open their account between the 1st and 15th of a given month are required to make the monthly deposits up to the fifteenth day of each month. Accounts opened after the 15th of a given month must make payments between the 16th and the last day of the succeeding month.<\/span><\/p>\n<p>&nbsp;<\/p>\n<ul>\n<li aria-level=\"1\"><b>Delayed RD Deposits &#8211; Fine and Penalties<\/b><\/li>\n<\/ul>\n<p>&nbsp;<\/p>\n<p><span style=\"font-weight: 400;\">There are instances in which an RD account holder cannot make the minimum monthly deposit. Accordingly, a person is only allowed four such defaults before the account is transformed into a discontinued account. After four regular defaults, the account becomes discontinued and can be revived within two months of the fourth default. If the account is not revived within this period, no further deposits can be made in such an account and the account becomes discontinued.\u00a0 However, the rules stipulate that RD deposits will incur a default penalty of INR 1 per INR 100, which must be paid in addition to the missed deposit amount in order to reactivate the account.<\/span><\/p>\n<p>&nbsp;<\/p>\n<h3><span class=\"ez-toc-section\" id=\"Premature_Withdrawal_of_Post_Office_RD\"><\/span>Premature Withdrawal of Post Office RD<span class=\"ez-toc-section-end\"><\/span><\/h3>\n<p>&nbsp;<\/p>\n<p><span style=\"font-weight: 400;\">If individuals wish to withdraw funds from their National Savings RD account prior to maturity, they cannot do so until three years have passed since the initial deposit.<\/span><\/p>\n<p>&nbsp;<\/p>\n<ul>\n<li style=\"font-weight: 400;\" aria-level=\"1\"><span style=\"font-weight: 400;\">Investors must also submit a Form-2 application to the Postmaster General&#8217;s Office, India.<\/span><\/li>\n<\/ul>\n<p>&nbsp;<\/p>\n<ul>\n<li style=\"font-weight: 400;\" aria-level=\"1\"><span style=\"font-weight: 400;\">When deposits are made in advance, withdrawals are only permitted after the period has passed.<\/span><\/li>\n<\/ul>\n<p>&nbsp;<\/p>\n<ul>\n<li style=\"font-weight: 400;\" aria-level=\"1\"><span style=\"font-weight: 400;\">Account holders are eligible for Loan Against Recurring Deposits.<\/span><\/li>\n<\/ul>\n<p>&nbsp;<\/p>\n<ul>\n<li style=\"font-weight: 400;\" aria-level=\"1\"><span style=\"font-weight: 400;\">Loan against Savings Recurring Deposit as per Form-5 Application<\/span><\/li>\n<\/ul>\n<p>&nbsp;<\/p>\n<ul>\n<li style=\"font-weight: 400;\" aria-level=\"1\"><span style=\"font-weight: 400;\">To qualify for a loan, the account must be open for at least a year, and 12 instalments must be deposited.<\/span><\/li>\n<\/ul>\n<p>&nbsp;<\/p>\n<ul>\n<li style=\"font-weight: 400;\" aria-level=\"1\"><span style=\"font-weight: 400;\">Loans are available for up to 50% of the RD account&#8217;s balance.<\/span><\/li>\n<\/ul>\n<p>&nbsp;<\/p>\n<ul>\n<li style=\"font-weight: 400;\" aria-level=\"1\"><span style=\"font-weight: 400;\">As account holders, investors must pay the entire balance in a lump sum or in instalments prior to maturity.<\/span><\/li>\n<\/ul>\n<p>&nbsp;<\/p>\n<h3><span class=\"ez-toc-section\" id=\"Eligibility_Requirements_for_the_Post_Office_RD\"><\/span>Eligibility Requirements for the Post Office RD<span class=\"ez-toc-section-end\"><\/span><\/h3>\n<p>&nbsp;<\/p>\n<p><span style=\"font-weight: 400;\">To qualify for a post office RD account, individuals must meet the following requirements.<\/span><\/p>\n<p>&nbsp;<\/p>\n<ul>\n<li style=\"font-weight: 400;\" aria-level=\"1\"><span style=\"font-weight: 400;\">Users must be Indian citizens at least 18 years old (minors must be over ten years, and parents or guardians are required to open and operate the minor account on their behalf).<\/span><\/li>\n<\/ul>\n<p>&nbsp;<\/p>\n<ul>\n<li style=\"font-weight: 400;\" aria-level=\"1\"><span style=\"font-weight: 400;\">Eligible Indian citizens over the age of 18 may operate a single or joint RD account at the post office.<\/span><\/li>\n<\/ul>\n<p>&nbsp;<\/p>\n<h3><span class=\"ez-toc-section\" id=\"Documents_Required\"><\/span>Documents Required<span class=\"ez-toc-section-end\"><\/span><\/h3>\n<p>&nbsp;<\/p>\n<p><span style=\"font-weight: 400;\">Individuals are required to submit the documents listed below to open an RD account.<\/span><\/p>\n<p>&nbsp;<\/p>\n<ul>\n<li style=\"font-weight: 400;\" aria-level=\"1\"><span style=\"font-weight: 400;\">Form for opening a Post Office account<\/span><\/li>\n<\/ul>\n<p>&nbsp;<\/p>\n<ul>\n<li style=\"font-weight: 400;\" aria-level=\"1\"><span style=\"font-weight: 400;\">Two passport-sized pictures<\/span><\/li>\n<\/ul>\n<p>&nbsp;<\/p>\n<ul>\n<li style=\"font-weight: 400;\" aria-level=\"1\"><span style=\"font-weight: 400;\">Address or identification documentation, such as a passport, PAN card, Aadhar card, driver&#8217;s licence, ration card, or voter ID card.<\/span><\/li>\n<\/ul>\n<p>&nbsp;<\/p>\n<ul>\n<li style=\"font-weight: 400;\" aria-level=\"1\"><span style=\"font-weight: 400;\">Identification proof for verification<\/span><\/li>\n<\/ul>\n<p>&nbsp;<\/p>\n<h3><span class=\"ez-toc-section\" id=\"Maturity_of_Post_Office_RD_Scheme\"><\/span>Maturity of Post Office RD Scheme<span class=\"ez-toc-section-end\"><\/span><\/h3>\n<p>&nbsp;<\/p>\n<ul>\n<li style=\"font-weight: 400;\" aria-level=\"1\"><span style=\"font-weight: 400;\">The Post office RD account matures after five years or sixty months from the date of the initial deposit.<\/span><\/li>\n<\/ul>\n<p>&nbsp;<\/p>\n<ul>\n<li style=\"font-weight: 400;\" aria-level=\"1\"><span style=\"font-weight: 400;\">Individuals can extend this maturity date by five years by submitting a Form 4 request to the Post Office of India.<\/span><\/li>\n<\/ul>\n<p>&nbsp;<\/p>\n<ul>\n<li style=\"font-weight: 400;\" aria-level=\"1\"><span style=\"font-weight: 400;\">The interest rate on the recurring deposit account remains the same as when the account was initially opened.<\/span><\/li>\n<\/ul>\n<p>&nbsp;<\/p>\n<ul>\n<li style=\"font-weight: 400;\" aria-level=\"1\"><span style=\"font-weight: 400;\">Investors may close their account at any time during the extension period; however, if the extension is for less than one year, the interest rate will be the same as that of the National Savings Account.<\/span><\/li>\n<\/ul>\n<p>&nbsp;<\/p>\n<ul>\n<li style=\"font-weight: 400;\" aria-level=\"1\"><span style=\"font-weight: 400;\">When the account is discontinued and not revived, the principal and accrued interest will be paid at maturity.<\/span><\/li>\n<\/ul>\n<p>&nbsp;<\/p>\n<ul>\n<li style=\"font-weight: 400;\" aria-level=\"1\"><span style=\"font-weight: 400;\">Account holders may also choose to retain RD accounts for up to an additional five years following the expiration of the initial five. In this instance, the account holder is not required to make a new deposit in order to retain the balance. The account holder must only submit Form-3 to the Post Office of India.<\/span><\/li>\n<\/ul>\n<p>&nbsp;<\/p>\n<h3><span class=\"ez-toc-section\" id=\"Loan_Against_Recurring_Post_Office_Deposit\"><\/span>Loan Against Recurring Post Office Deposit<span class=\"ez-toc-section-end\"><\/span><\/h3>\n<p>&nbsp;<\/p>\n<ul>\n<li style=\"font-weight: 400;\" aria-level=\"1\"><span style=\"font-weight: 400;\">Investors can obtain a loan against their National Savings Recurring Deposit by submitting Form-5.<\/span><\/li>\n<\/ul>\n<p>&nbsp;<\/p>\n<ul>\n<li style=\"font-weight: 400;\" aria-level=\"1\"><span style=\"font-weight: 400;\">To qualify for the loan, the account must be maintained for one year and 12 payments must be made.<\/span><\/li>\n<\/ul>\n<p>&nbsp;<\/p>\n<ul>\n<li style=\"font-weight: 400;\" aria-level=\"1\"><span style=\"font-weight: 400;\">Investors can avail loan facility of up to 50% of the balance credit in the RD account.<\/span><\/li>\n<\/ul>\n<p>&nbsp;<\/p>\n<ul>\n<li style=\"font-weight: 400;\" aria-level=\"1\"><span style=\"font-weight: 400;\">The loan can be repaid in a lump sum or in equal instalments by the account holder.<\/span><\/li>\n<\/ul>\n<p>&nbsp;<\/p>\n<ul>\n<li style=\"font-weight: 400;\" aria-level=\"1\"><span style=\"font-weight: 400;\">The entire balance must be repaid prior to the maturity date of the RD.<\/span><\/li>\n<\/ul>\n<p>&nbsp;<\/p>\n<ul>\n<li style=\"font-weight: 400;\" aria-level=\"1\"><span style=\"font-weight: 400;\">The simple interest rate applicable to the loan will be 2% + the RD interest rate applicable to the RD account.<\/span><\/li>\n<\/ul>\n<p>&nbsp;<\/p>\n<ul>\n<li style=\"font-weight: 400;\" aria-level=\"1\"><span style=\"font-weight: 400;\">Interest will accrue from the date of withdrawal until the date of repayment in full and in proportion to the amount repaid.<\/span><\/li>\n<\/ul>\n<p>&nbsp;<\/p>\n<ul>\n<li style=\"font-weight: 400;\" aria-level=\"1\"><span style=\"font-weight: 400;\">If the loan is not repaid, the PO will deduct the loan amount plus interest from the maturity value of the RD account.<\/span><\/li>\n<\/ul>\n<p>&nbsp;<\/p>\n<ul>\n<li style=\"font-weight: 400;\" aria-level=\"1\"><span style=\"font-weight: 400;\">If the account is extended past its due date, then repayment can be made during the extended period.<\/span><\/li>\n<\/ul>\n<p>&nbsp;<\/p>\n<ul>\n<li style=\"font-weight: 400;\" aria-level=\"1\"><span style=\"font-weight: 400;\">In the event that investors fail to repay the loan in full or in part, the outstanding balance will be collected from them, their legal heir, or the nominee upon account closure.<\/span><\/li>\n<\/ul>\n<p>&nbsp;<\/p>\n<h3><span class=\"ez-toc-section\" id=\"Repayment_in_Case_of_Death\"><\/span>Repayment in Case of Death<span class=\"ez-toc-section-end\"><\/span><\/h3>\n<p>&nbsp;<\/p>\n<ul>\n<li style=\"font-weight: 400;\" aria-level=\"1\"><span style=\"font-weight: 400;\">The repayment will be made to the legal heirs or nominees in the event of the death of a single account holder or all joint account holders.\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;\">If there are up to three nominees or legal heirs who survive, they can continue the RD account. In this case, they can continue as if they are the account&#8217;s owners. These surviving nominees or legal heirs will be subject to the same terms as the original account holders. However, they must submit a request to the Post Office officer.<\/span><\/li>\n<\/ul>\n<p>&nbsp;<\/p>\n<ul>\n<li style=\"font-weight: 400;\" aria-level=\"1\"><span style=\"font-weight: 400;\">In the case of a joint account, the survivor can maintain the RD account. The surviving account holder can continue as if he or she is the account&#8217;s sole owner. However, if only six deposits have been made, the surviving member may choose to close the account.<\/span><\/li>\n<\/ul>\n<p>&nbsp;<\/p>\n<ul>\n<li style=\"font-weight: 400;\" aria-level=\"1\"><span style=\"font-weight: 400;\">In the event of the death of the guardian of a minor or person of unsound mind, the account can be closed by a new guardian.<\/span><\/li>\n<\/ul>\n<p>&nbsp;<\/p>\n<h3><span class=\"ez-toc-section\" id=\"Procedure_on_Minor_Attaining_Majority\"><\/span>Procedure on Minor Attaining Majority<span class=\"ez-toc-section-end\"><\/span><\/h3>\n<p>&nbsp;<\/p>\n<ul>\n<li style=\"font-weight: 400;\" aria-level=\"1\"><span style=\"font-weight: 400;\">When the earlier minor reaches the age of 18, he or she can continue the account by performing due diligence. The individual must provide a declaration.<\/span><\/li>\n<\/ul>\n<p>&nbsp;<\/p>\n<ul>\n<li style=\"font-weight: 400;\" aria-level=\"1\"><span style=\"font-weight: 400;\">They can maintain the account until maturity, extend it for an additional five years, or make deposits in advance.<\/span><\/li>\n<\/ul>\n<p>&nbsp;<\/p>\n<ul>\n<li style=\"font-weight: 400;\" aria-level=\"1\"><span style=\"font-weight: 400;\">As a major, they may make an early withdrawal or apply for a loan, as the case may be.<\/span><\/li>\n<\/ul>\n<p>&nbsp;<\/p>\n<h3><span class=\"ez-toc-section\" id=\"Default_in_Post_Office_Recurring_Deposits\"><\/span>Default in Post Office Recurring Deposits<span class=\"ez-toc-section-end\"><\/span><\/h3>\n<p>&nbsp;<\/p>\n<ul>\n<li style=\"font-weight: 400;\" aria-level=\"1\"><span style=\"font-weight: 400;\">If individuals fail to make subsequent deposits by the due date, you will be charged a default fee. The default fee is Rs 1 per Rs 100\u00a0 denomination. The fee will be assessed for each month of default until the default is resolved.<\/span><\/li>\n<\/ul>\n<p>&nbsp;<\/p>\n<ul>\n<li style=\"font-weight: 400;\" aria-level=\"1\"><span style=\"font-weight: 400;\">After failing to make a deposit, individuals must deposit the defaulted deposit amount in addition to the default fee. They cannot make a recurring deposit for the current month until these obligations have been satisfied.<\/span><\/li>\n<\/ul>\n<p>&nbsp;<\/p>\n<ul>\n<li style=\"font-weight: 400;\" aria-level=\"1\"><span style=\"font-weight: 400;\">If there is a failure to deposit for four consecutive months, the account will be closed. They can revive the account within 2 months from the 4th month of default.<\/span><\/li>\n<\/ul>\n<p>&nbsp;<\/p>\n<ul>\n<li style=\"font-weight: 400;\" aria-level=\"1\"><span style=\"font-weight: 400;\">If individuals fail to reactivate the account within this time frame, the account will remain in a discontinued state. In addition, they will be unable to make any additional deposits.<\/span><\/li>\n<\/ul>\n<p>&nbsp;<\/p>\n<h3><span class=\"ez-toc-section\" id=\"Post_Office_RD_Interest_Rate_Calculation\"><\/span>Post Office RD Interest Rate Calculation<span class=\"ez-toc-section-end\"><\/span><\/h3>\n<p>&nbsp;<\/p>\n<p><span style=\"font-weight: 400;\">One of the post office&#8217;s savings programs is recurring deposits. A <a href=\"https:\/\/kuvera.in\/blog\/post-office-recurring-deposit-calculator\/\">Post Office RD Calculator<\/a> is a tool for estimating the returns on investment in Post Office RDs. It is a simple and direct calculator that uses investment amount, interest rate, and time period as inputs to determine the amount of wealth gained and the total corpus created.<\/span><\/p>\n<p>&nbsp;<\/p>\n<p><span style=\"font-weight: 400;\">The following is the formula to calculate RD returns from the post office RD account:<\/span><\/p>\n<p>&nbsp;<\/p>\n<pre style=\"padding-left: 40px;\">M = R x {(1 + n) x n \u2013 1} \/ 1- (1 + i) (-1\/3)<\/pre>\n<p>&nbsp;<\/p>\n<p><span style=\"font-weight: 400;\">Here,<\/span><\/p>\n<p>&nbsp;<\/p>\n<p><span style=\"font-weight: 400;\">R = Monthly deposited amount<\/span><\/p>\n<p>&nbsp;<\/p>\n<p><span style=\"font-weight: 400;\">n = Total number of quarters in the tenure<\/span><\/p>\n<p>&nbsp;<\/p>\n<p><span style=\"font-weight: 400;\">i = Rate of Interest divided by 400 (includes 4 quarters each year)<\/span><\/p>\n<p>&nbsp;<\/p>\n<p><span style=\"font-weight: 400;\">M = Maturity value<\/span><\/p>\n<p>&nbsp;<\/p>\n<h3><span class=\"ez-toc-section\" id=\"Inputs_in_Post_Office_RD_Calculator\"><\/span>Inputs in Post Office RD Calculator<span class=\"ez-toc-section-end\"><\/span><\/h3>\n<p>&nbsp;<\/p>\n<p><span style=\"font-weight: 400;\">Inputs for a Post Office RD calculator are as follows:<\/span><\/p>\n<p>&nbsp;<\/p>\n<ul>\n<li style=\"font-weight: 400;\" aria-level=\"1\"><span style=\"font-weight: 400;\"><strong>Monthly Deposit Amount:<\/strong> It is the amount that a person wishes to invest in RD accounts at the post office.<\/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>RD Term:<\/strong> This is the duration of the Post Office RD scheme&#8217;s investments. A PORD has a fixed duration of five years (60 months).<\/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>Recurring Deposit Interest Rate:<\/strong> The rate of return offered by recurring deposit schemes to account holders.\u00a0<\/span><\/li>\n<\/ul>\n<p>&nbsp;<\/p>\n<p><span style=\"font-weight: 400;\">Following the entry of the preceding inputs, the calculator will generate the following results:<\/span><\/p>\n<p>&nbsp;<\/p>\n<ul>\n<li style=\"font-weight: 400;\" aria-level=\"1\"><span style=\"font-weight: 400;\"><strong>Total Investment:<\/strong> It represents the total amount the account holder invested over a period of 60 months.<\/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>Wealth Gained:<\/strong> This is the interest income earned by the investor on the investment.<\/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>Total Corpus Created:<\/strong> It is the sum total of all investments and gains. It represents the value of all investments made during the 5-year period.<\/span><\/li>\n<\/ul>\n<p>&nbsp;<\/p>\n<h3><span class=\"ez-toc-section\" id=\"Benefits_of_using_a_Post_Office_Recurring_Deposit_Calculator\"><\/span>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 advantages of using a Post Office Recurring Deposit Calculator are as follows:<\/span><\/p>\n<p>&nbsp;<\/p>\n<ul>\n<li style=\"font-weight: 400;\" aria-level=\"1\"><span style=\"font-weight: 400;\"><strong>Free to use:<\/strong> The calculator is accessible online and free for anyone to use. It can be also used multiple times without costing a single rupee.<\/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>Simple and user-friendly:<\/strong> The Post Office Recurring Deposit (PORD) calculator is an easy-to-use tool. One can easily enter the necessary information to obtain the output.<\/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>Accurate results:<\/strong> The accuracy of the calculator&#8217;s output is quite high, and the probability of error is close to zero. One can easily rely on the calculator&#8217;s results.<\/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>Saves time:<\/strong> Calculating the interest earned on an RD investment can be laborious and time-consuming. Using the <a href=\"https:\/\/kuvera.in\/calculators\/rd-calculator\">RD calculator<\/a> for the same purpose saves the investor time.<\/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>Comparison:<\/strong> Using the calculator, one can compare multiple banks&#8217; RD with the Post Office&#8217;s RD and select the one with the highest return.<\/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>Future planning:<\/strong> The calculator enables investors to more effectively plan their investments. By understanding the potential returns of an investment, investors can better plan their objectives.<\/span><\/li>\n<\/ul>\n<p>&nbsp;<\/p>\n<h3><span class=\"ez-toc-section\" id=\"Interest_Rates_for_Post_Office_RD_in_2022\"><\/span>Interest Rates for Post Office RD in 2022<span class=\"ez-toc-section-end\"><\/span><\/h3>\n<p>&nbsp;<\/p>\n<p><span style=\"font-weight: 400;\">Every quarter, the government determines the Post Office RD rates. The Post Office RD&#8217;s interest rate is regulated by the government and is announced once every three months. The interest in PORD is compounded every quarter. Currently, the rate of interest is 5.8%\u00a0 per annum (quarterly compounded)<\/span><\/p>\n<p>&nbsp;<\/p>\n<table style=\"width: 100%;\" border=\"1.5\">\n<tbody>\n<tr>\n<td style=\"text-align: center;\"><strong>Tenure<\/strong><\/td>\n<td><strong>\u00a0RD Rates for General Citizens<\/strong><\/td>\n<td><strong>\u00a0RD Rates for Senior Citizens<\/strong><\/td>\n<\/tr>\n<tr>\n<td style=\"text-align: center;\"><span style=\"font-weight: 400;\">5 years<\/span><\/td>\n<td><span style=\"font-weight: 400;\">\u00a05.8% p.a. (Compounded quarterly)<\/span><\/td>\n<td><span style=\"font-weight: 400;\">\u00a05.8%p.a.(Compounded quarterly)<\/span><\/td>\n<\/tr>\n<\/tbody>\n<\/table>\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 style=\"font-weight: 400;\" aria-level=\"1\">\n<h4><span class=\"ez-toc-section\" id=\"What_are_some_important_features_of_Post_Office_Recurring_Deposits_PORD\"><\/span>What are some important features of Post Office Recurring Deposits (PORD)?<span class=\"ez-toc-section-end\"><\/span><\/h4>\n<\/li>\n<\/ul>\n<p>&nbsp;<\/p>\n<ul>\n<li style=\"list-style-type: none;\">\n<ul>\n<li style=\"font-weight: 400;\" aria-level=\"1\"><span style=\"font-weight: 400;\">A National Savings Recurring Deposit Account can be opened even by minors aged 10 years or above.\u00a0 The post office requires a minimum deposit of Rs. 100 to start an RD account. There is no cap on how much money account holders can deposit each month in multiples of Rs. 10.<\/span><\/li>\n<\/ul>\n<\/li>\n<\/ul>\n<p>&nbsp;<\/p>\n<ul>\n<li style=\"list-style-type: none;\">\n<ul>\n<li style=\"font-weight: 400;\" aria-level=\"1\">The maximum term for post office RD accounts is five years, and it is possible to extend it for a further five years by submitting a formal application.<\/li>\n<\/ul>\n<\/li>\n<\/ul>\n<p>&nbsp;<\/p>\n<ul>\n<li style=\"list-style-type: none;\">\n<ul>\n<li><span style=\"font-weight: 400;\">After a year has passed, depositors with Post Office RD accounts may also apply for a loan. Borrowers can avail of 50% of the available balance.<\/span><\/li>\n<\/ul>\n<\/li>\n<\/ul>\n<p>&nbsp;<\/p>\n<ul>\n<li style=\"list-style-type: none;\">\n<ul>\n<li style=\"font-weight: 400;\" aria-level=\"1\"><span style=\"font-weight: 400;\">At any point during the RD duration, they have the option to make a lump sum repayment of the loan and interest.<\/span><\/li>\n<\/ul>\n<\/li>\n<\/ul>\n<p>&nbsp;<\/p>\n<ul>\n<li style=\"list-style-type: none;\">\n<ul>\n<li style=\"font-weight: 400;\" aria-level=\"1\"><span style=\"font-weight: 400;\">A post office recurring deposit&#8217;s interest is compounded every three months.<\/span><\/li>\n<\/ul>\n<\/li>\n<\/ul>\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<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\/PTJ_lQXIAQ4\" 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>The India Post offers a five-year recurring deposit (RD) scheme that allows customers to save a part of their income and earn interest for a period of time until the amount is deposited. Typically, a customer opens a recurring deposit for a specified period during which he can make deposits monthly or quarterly, depending on [&#8230;]<\/p>\n<p><a class=\"btn btn-secondary understrap-read-more-link\" href=\"https:\/\/kuvera.in\/blog\/post-office-rd-interest-rates\/\">Read More&#8230;<\/a><\/p>\n","protected":false},"author":11,"featured_media":17206,"comment_status":"open","ping_status":"open","sticky":false,"template":"","format":"standard","meta":{"_mi_skip_tracking":false},"categories":[99,833],"tags":[1428,1427,835],"yoast_head":"<!-- This site is optimized with the Yoast SEO plugin v20.6 - https:\/\/yoast.com\/wordpress\/plugins\/seo\/ -->\n<title>Post Office RD Interest Rates 2022 - Kuvera<\/title>\n<meta name=\"description\" content=\"Get the latest Post Office RD Interest Rates 2022 with other important details includes Tenure, eligibility, Documents Required and more.\" \/>\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-rd-interest-rates\/\" \/>\n<meta property=\"og:locale\" content=\"en_US\" \/>\n<meta property=\"og:type\" content=\"article\" \/>\n<meta property=\"og:title\" content=\"Post Office RD Interest Rates 2022 - 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