Post Office RD Scheme- The Post Office Recurring Deposit (RD) Scheme is a government-backed savings program that encourages individuals to make regular monthly deposits over a fixed period. As of 2025, the scheme offers an attractive interest rate of 6.70% annually, compounded quarterly. One of the key advantages of this scheme is its flexibility, as it allows deposits to start from just ₹100 per month, and there’s no upper limit on the deposit amount.
Post Office RD Scheme 2025
The Post Office Recurring Deposit (RD) Scheme 2025 is a safe and reliable investment plan offering a 6.70% annual interest rate, compounded quarterly. It requires a minimum monthly deposit of ₹100, with no upper limit, making it accessible to all. With a tenure of five years, the scheme allows early withdrawal after three years under specific conditions. It’s a great option for disciplined savings, offering flexibility, security, and government backing.
Post Office RD Scheme 2025 Details
| About | Post Office Rs 3000/- RD Scheme In 2025 |
| Country | India |
| Year | 2025 |
| Department | Indian Post Office |
| Category | RD Schemes |
| Beneficiaries | Eligible Indians |
| Amount | Rs/-3000 |
| Category | Yojana |
| Official Website | www.indiapost.gov.in |
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About Post Office RD Scheme
The Post Office RD Scheme 2025 is a government-backed savings plan offering a secure way to invest with a 6.70% annual interest rate, compounded quarterly. With a minimum monthly deposit of ₹100, this scheme is open to individuals, joint account holders, and minors over 10 years. It has a 5-year tenure, after which the principal and accrued interest are paid out. Additionally, early withdrawal is allowed after three years under specific conditions, ensuring flexibility for savers.
Eligibility for Post Office Recurring Deposit Account
- Single or Joint Accounts: The account can be opened by a single individual or jointly by up to three adults (A or B joint accounts).
- Guardian for Minors/Incompetent Persons: A guardian can open an account on behalf of a minor or an incompetent person.
- Minors Above 10 Years: A minor who is older than 10 years can open and operate the account in their own name.
Key Features of Post Office RD Scheme 2025:
- Interest Rate: 6.70% annually, compounded quarterly.
- Deposit Flexibility: Minimum deposit of ₹100 per month, in multiples of ₹10.
- Tenure: Fixed for five years, after which the maturity amount is disbursed, combining both principal and interest.
- Eligibility: Open to individuals, joint account holders (up to 3 adults), minors above 10, and guardians for minors or mentally ill persons.
- Loan Facility: Account holders can avail of loans against their RD account after a certain period.
- Premature Withdrawal: Allowed after 3 years, under specific conditions.
For example, if you deposit ₹3000 per month, after 60 months (5 years), your total deposit will amount to ₹1,80,000, plus the interest accumulated over time. However, the maturity amount may fluctuate with changes in the interest rates. This scheme provides a disciplined savings route for individuals who prefer risk-free investments backed by the Indian government.
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Pradhan Mantri Jeevan Jyoti Bima Yojana
Documents Required
To open a Post Office RD account, you’ll need:
- A completed application form.
- Passport-size photographs.
- Proof of identity (Aadhar card or other government-issued ID).
- Proof of address (such as utility bills or rental agreements).
- Nominee details.
How to Apply For Post Office RD Scheme?
- Visit the nearest Post Officeto collect the RD account application form.
- Complete the form and attach the required documents.
- Submit the form, and provide original documents for verification.
- The process will be verified, and once approved, your account will be opened.
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Final Words
The Post Office Recurring Deposit Scheme 2025 offers a secure and flexible savings option for individuals looking to invest with a guaranteed return. With a minimum monthly deposit of just ₹100, it is accessible to a wide range of people, including minors above 10 years and joint account holders. The scheme’s attractive 6.70% interest rate, compounded quarterly, ensures steady growth over a five-year tenure. Backed by the Indian government, it provides a risk-free investment avenue, making it ideal for disciplined savers seeking long-term financial stability.
Post Office RD Scheme FAQ’S
What will Post Office RD’s Interest Rate be in 2025?
The interest rate is 6.70% annually, with quarterly compounding.
How much is The Minimum Deposit?
A monthly minimum deposit of ₹100 is required.
Does The Deposit Have A Maximum Amount?
There isn’t a maximum deposit amount, sorry.
How Long is The Post Office RD Scheme in Effect?
Five years is the tenure.