# Post Office RD Calculator 2026: 6.7% Recurring Deposit > Post office RD calculator at the current 6.7% rate: maturity value of your monthly recurring deposit after 5 years, interest earned and yearly value. Source: https://trykosh.com/tools/post-office-rd-calculator Free tool - Government schemes # Post office RD calculator: recurring deposit maturity Find out what a monthly post office recurring deposit grows to at 6.7%, compounded quarterly, over 5 years or with a 5-year extension. Rules checked 25 October 2026Free - no sign-upRuns in your browser Maturity value INR 3,56,829 INR 5,000 a month for 5 years at 6.7% You deposit**INR 3,00,000** Interest earned**INR 56,829** Monthly instalments**60** Deposits **INR 3,00,000**Interest **INR 56,829** Value at the end of each year Year Deposited Value 1 INR 60,000 INR 62,210 2 INR 1,20,000 INR 1,28,694 3 INR 1,80,000 INR 1,99,746 4 INR 2,40,000 INR 2,75,679 5 INR 3,00,000 INR 3,56,829 Interest compounds every quarter. Pay by the 15th (if opened on or before the 15th) or by month-end to avoid a INR 1-per-INR 100 default fee. Interest is taxable at your slab. ## Upload your statement and Kosh does this for you. Upload your statements and Kosh keeps your PPF, EPF, NPS and deposits in one view, with reminders before every deposit and maturity date. [Start free](/signup?via=tool-post-office-rd-calculator) ## How the post office RD calculator works A post office RD runs for 5 years (60 monthly instalments) with a minimum of INR 100 a month and no maximum. The rate, 6.7% for October to December 2026, is fixed for the full term on the day you open the account. Interest compounds every quarter. Each instalment earns interest from the month it's paid until maturity, so the first instalment earns for 60 months and the last for one. The calculator adds up each instalment's quarterly-compounded value, the same method the post office uses for its maturity tables. INR 5,000 a month grows to about INR 3,56,829. You can extend the RD for another 5 years at maturity, at the rate applicable when it was opened, and keep depositing. Choose 10 years to see that. RD interest is taxable at your slab. There's no 80C benefit. The post office deducts TDS under the same rules as banks if your interest crosses the threshold. Maturity = Σ monthly x (1 + 6.7% / 4)^(months left / 3) Months left 60 for the first instalment down to 1 for the last ## Worked example: Pooja saves INR 3,000 a month Pooja, a 24-year-old data-entry operator in Patna, starts a post office RD of INR 3,000 a month. Over 5 years she deposits INR 1.8 lakh. At 6.7% compounded quarterly, it matures at INR 2,14,097, so she earns INR 34,097 in interest. Maturity value INR 2,14,097 INR 3,000 a month for 5 years at 6.7% You deposit**INR 1,80,000** Interest earned**INR 34,097** Monthly instalments**60** Deposits **INR 1,80,000**Interest **INR 34,097** Interest compounds every quarter. Pay by the 15th (if opened on or before the 15th) or by month-end to avoid a INR 1-per-INR 100 default fee. Interest is taxable at your slab. [Load this example into the calculator ->](?monthly=3000#calculator) ## Good to know - Pay by the 15th if the account was opened between the 1st and 15th, or by month-end if opened later. Late payments attract a fee of INR 1 for every INR 100 per month. - After 12 instalments you can take a loan of up to 50% of the balance, at 2% above the RD rate. - Paying 6 months or more in advance earns a small rebate on the instalments. - Four consecutive missed instalments discontinue the account; it can be revived within the next two months. ## Frequently asked questions What is the post office RD interest rate in 2026? 6.7% a year, compounded quarterly, for accounts opened between October and December 2026. The rate stays fixed for 5 years. How much will INR 5,000 a month in post office RD give after 5 years? About INR 3,56,829 at 6.7%. You deposit INR 3 lakh, so you earn roughly INR 56,829 in interest. Can I close a post office RD before 5 years? Yes, after 3 years. If you do, interest is paid at the post office savings account rate (4%), not the RD rate, which reduces your return noticeably. Is post office RD interest taxable? Yes, at your slab rate, each year as it accrues. The deposits don't qualify for 80C. ## Sources and assumptions - [Department of Economic Affairs: small savings rates](https://dea.gov.in/) - [India Post savings schemes](https://www.indiapost.gov.in/) Rules and rates last checked on 25 October 2026. Results are estimates for planning and education, not tax, legal or investment advice. Kosh is an educational financial planning tool by Primedepth Labs. It is not a SEBI-registered investment adviser and does not offer personalised investment advice, hold your money or execute trades. Markets carry risk; read scheme documents carefully and consult a registered adviser before acting.