The Post Office RD Scheme is most safest and reliable, backed by Government of India, way to grow your money. whether you are planning for emergency fund or accumulating fund for future expenses, it gives reliable and guaranteed return to the depositors. I always prefer and give recommend to my relatives and my visitor to open one RD account in Post Office.
Why Post Office RD scheme is so popular?
The is RD scheme in post office means Recurring Deposit scheme that offers to public in post offices by Government of India. This is one of small saving scheme that offers by the post offices. This is a great option for an individual of any class, higher or lower, Can take opportunity to invest her money regularly and participate in contributing financial inclusion of our country and grow with steadily. Post office RD scheme is not an marketing -linked investment option hence it offers stable and predictable return.
Important features to be checked before investing in RD (Recurring Deposit )scheme mentioned below.
Interest rate:
The interest rate are fluctuating quarterly as of October 2025 i.e 6.7% per annum is available.
Investment tenure:
The Post Office RD scheme has a fixed tenure of 5 years(60Months). It has no short term scheme like bank that offers one year or 2 year or 3 year scheme.
Limit of deposit:
The RD scheme has lower limit of ₹100 per month and deposit can be made in multiple of ₹10. It has no upper limit for which it gives flexibility to plan your financial capacity.
Payment/Instalment Option:
The Post Office RD Scheme has less payment through option to pay monthly deposit. Like you can visit your nearest branch for deposit or you can give standing instruction from saving passbook for auto debit and credit option.
It also allows advanced deposit up to 5year. Rebet is 1% for Up to 6 months of deposit and 2% for one year or more then 12 month of Deposit is available.
If you miss monthly deposit a penalty is charged for ₹1 for every ₹100 and if you missed more than 5 months of deposit then your account become lapses and there is no facility for revive the RD account and you are force to close the RD account. Either after 3 year or maturity. If you withdraw your money after 3 year, you will get at Interest of 4%, i.e saving interest rate. And if you withdraw your money after maturity of account then even if account is discontinued account you will get at the rate of RD interest. Whatever may be in the time of opening up at the RDaccount.
Why should you invest in post office RD scheme?
The post office RD scheme is a government backed small saving scheme and it is a secure and hassel-free saving option. There is many other benefit that attracts customer to invest in RD(Recurring Deposit ) scheme:-
(i)Ideal for mid and small size investor who can choose monthly investment upto lowest of ₹100 and there is no upper limit. Even school going student can save from her pocket money and invest in this scheme, that enable her to financial discipline overtime from very early stage.
( ii)Since the scheme is government backed ,Your saving are completely secure. There is no worry of losing any principal or interest amount.
(iii) Interest rate of post office address scheme remains always high with comparison to all other banks RD schemes. Since, your deposited amount is compounded quarterly, your money will grows always at steady rate and it earns additional interest overtime.
( iv) It gives multiple option for open an account:
(A) single account
(B)Joint account (up to 3 adults)
(C)Minor account (For Children below 18 years)
(D)Minor account opened by self (For Children above 10 years and below 18years)
(v) RD account has loan facility ,you can take upto 50% of your deposited amount after completion of one year and that it secures your financial emergency, no need to break your deposits or premature your account.
Conclusion:
                The Post Office RD scheme is the only saving scheme in our country that reached every citizen of our country because of her flexibility in amount and ensures guaranteed return returns. Whether you are student or business profession or salaried person or retiree, This scheme provides you piece of mind by helping you make a financial Independence.