Post Office RD Calculator

Each monthly deposit compounds quarterly on the running balance for however many quarters remain until the fixed 5-year maturity date, and all deposits' compounded values are summed. ₹2,000/month at 6.7% for 5 years matures at about ₹1,41,158 on ₹1,20,000 deposited.

A standard Post Office Recurring Deposit only comes in one fixed 5-year term — it isn't user-adjustable the way a bank RD's tenure is. If you want a different tenure, a bank RD (see our regular RD calculator) offers more flexibility, typically from 6 months to 10 years.

Yes — it can typically be extended in further 5-year blocks after maturity, similar to how a PPF account is extended, rather than being restricted to a single one-time 5-year term.

A small default fee applies per missed month — the exact amount is set by India Post and revised periodically, so check the current fee at your post office rather than assuming a fixed figure. Repeated missed instalments can eventually lead to premature closure of the account.

Yes, once the account has run for at least a year, a loan against a percentage of the accumulated balance is typically available — check the current loan-to-balance limit and terms at your post office, since these are set by India Post and can change.