Post Office Recurring Deposit Calculator

Calculate the maturity amount on a Post Office Recurring Deposit (PORD) given your monthly deposit, interest rate, and 5-year tenure.

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Enter your monthly deposit and the current PORD interest rate to calculate the maturity amount over the fixed 5-year tenure.
₹
Minimum ₹100/month, no upper limit, in multiples of ₹10.
%
Post Office RD has a fixed 5-year (60-month) tenure.

Your result

₹3,56,829.14

Maturity amount

Total deposited₹3,00,000
Total interest earned₹56,829.14

AI explanation

Formula

Standard RD future-value formula with quarterly compounding on each month's deposit

Worked example

₹5,000/month for 5 years

Worked example: ₹5,000/month for 5 years
FieldValue
Monthly deposit5000
Interest rate (per annum)6.7
Tenure (months)60
Maturity amount356829.14
Total deposited300000
Total interest earned56829.14

Assumptions

  • Post Office RD has a fixed 5-year tenure (extendable in blocks after maturity, not modeled here).
  • PORD interest rate is 6.7% p.a., compounded quarterly, notified for the Jul-Sep 2026 quarter and revised quarterly by the Ministry of Finance.
  • Assumes deposits are made on the same date each month with no missed installments.

Frequently asked questions

What is the tenure for a Post Office RD?

A fixed 5 years. It can be extended in blocks of time after maturity, and can also be closed early (after 3 years) with a reduced interest rate applied.

What happens if I miss a monthly deposit?

A default fee of ₹1 per ₹100 of the monthly instalment is charged for each missed month. If defaults exceed 4 consecutive months, the account may be discontinued.

Can I take a loan against my PORD?

Yes — after 1 year, you can avail a loan of up to 50% of the balance, repayable in one lump sum or in instalments with interest.

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Comparing Post Office Savings Schemes: Lump Sum vs Monthly Income vs Recurring Deposit

The same ₹9,00,000, put into POMIS versus POTD, earns noticeably different total interest over 5 years — because POMIS pays income out monthly without compounding, while POTD reinvests every quarter's interest until maturity.

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Sources

This calculator provides an estimate only. PORD interest rates are revised quarterly by the Ministry of Finance and apply for the full 5-year tenure of an account as opened. Not personalized financial advice.

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