Post Office RD Calculator India 2026

It estimates the maturity amount and total interest earned on your Post Office Recurring Deposit from the monthly deposit, tenure, and RD interest rate, helping you plan disciplined savings growth in ₹ under India Post RD rules. It's an estimate — actual maturity depends on the official RD rates and scheme terms.

The rate is notified quarterly by the Government of India (6.7% per annum, compounded quarterly, as of Q2 FY 2026-27). Use the rate shown above, and confirm the latest rate at your post office before starting your RD.

Yes. Interest is taxable each year as per your income tax slab. No TDS is deducted by India Post, so you must declare the interest income in your ITR.

Missing instalments can result in penalties and may reduce the final maturity value, and repeated misses can require account regularisation. Keep a buffer balance and track due dates to protect your returns.

Premature closure is allowed after 6 months, subject to a penalty-adjusted payout (typically a lower, savings-account-equivalent rate) as per current scheme rules. Confirm the exact penalty terms at your post office before opening the account.