Post Office RD Scheme 2025: If you also want an investment scheme where not only is future protection but also a chance of monthly savings, then we have brought today an option for you that not only gives you guaranteed returns but also motivates you to save monthly every month. Yes, we are talking about the post office recurring deposit scheme, post office recurring deposit scheme is a scheme which is considered a government -recognized scheme.
In today’s situation, where the market risk is increasing day by day, the post office is providing various schemes to the people, so that citizens can deposit a certain amount every month and get guaranteed returns without any risk. In this article today, we will provide a detailed description of this scheme of your post office recurring deposit scheme where we will tell all the characteristics of this recurring deposit scheme and the entire process of opening the account in it.
What is the Post Office RD Scheme 2025?
The Post Office Recurring Deposit Scheme is a scheme supported by the Government of India in which the investor is allowed to deposit a certain amount every month. Investors can deposit at least and maximum amount in this scheme as per their convenience. The main objective of this investment scheme is to motivate people for savings where the urban and rural residents can open an account in this scheme by making monthly savings according to their convenience and also get interest while saving so that the citizen account holder will get a lump sum on maturity.
The main objective of this scheme is to motivate urban and rural citizens to make regular savings so that every person can open their account and invest a certain amount every month. The main objective of this scheme is by the government to ensure that investors are motivated to invest and their future is secured. This scheme proves to be the perfect scheme for the middle and low income groups where the request can deposit ₹ 100 every month.
Post Office Recurring Deposit Yojana’s main component
The minimum deposit amount in the post office recurring deposit scheme is ₹ 100 and
- In this, the maximum deposit can be done in the coefficient of 10, i.e. 1000, 10000,1 lakh 10 lakh, 1 crore etc.
- No upper investment limit has been set in this scheme.
- In this scheme, every investor is provided with maturity in 5 years in which if the investor invests every month, he has to pay 60 monthly installments.
- Currently, an interest rate of 6.7% per annum is being given in this scheme, which is being given on the basis of compound interest.
- In this scheme, any person can open a single account, joint account, or minor account.
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Benefits of Post Office RD Scheme 2025
- In the Post Office Recurring Deposit Scheme, the investor is given a sure and safe return.
- This scheme provides every quarterly compound interest, which gives more returns to the investor.
- Investors can also take a loan of up to 50% after depositing 12 installments on this scheme.
- Also, the investor can close the account ahead of time after completion of 3 years.
- In this investment scheme, if the investor deposits 6 monthly installments simultaneously, then some discounts are also provided to him.
- Also, this account is transferred from one post office to another. And the treaty of choosing a nominee is also given while opening an account or after opening an account.
How much should invest every month in this scheme to become 10 lakhs in 5 years
If you want to get an amount of Rs 10 lakh after 5 years in the post office recurring deposit scheme, then you will have to invest ₹ 10000 every month in this scheme. For example, if you invest ₹ 10000 in this scheme every month, then you will have to invest ₹ 6 lakhs for 5 years i.e. 60 consecutive months. The government is currently providing a compound interest of 6.7% on this scheme, in which the investor receives a lump sum of Rs 10 lakh after 5 years of maturity. At the same time, if the investor invests the same amount in different accounts, then he can also get a lump sum return of up to 12 lakh rupees.
Who Can Open an Account in Post Office RD Scheme 2025
The following eligibility criteria is necessary to open an account in this scheme.
- Only Indian citizens can open an account in the scheme.
- To open an account in this scheme, the age of the candidate is 18 years old, although parents can also open an account for their minor children.
- This scheme can open a maximum of three adults.
- To open an account, the candidate is required to invest a minimum of ₹ 100 every month.
- It is also necessary to have all the necessary documents to open the account with the same candidate.
How to Open an Account to Apen an Account in Post Office RD Scheme 2025
In the post office recurring deposit, the investor can open an account both offline or online.
- To open an offline account, the investor has to go to the nearest post office branch.
- Going to the branch, the investor will have to get the form of this scheme and fill it carefully and submit it to the office with the necessary documents.
- Also, the investor will have to pay a minimum of ₹ 100 through cash or check.
Online Account Opening Process
- To open an online account, the investor has to download the IPPB app.
- After downloading this app, the investor will have to login to the app using login credentials.
- After this, the candidate will have to select the recurring deposit option and enter all the details in it.
- After entering the details, the candidate will have to deposit the monthly amount and determine the period.
- After this, the investor will have to click on the option to submit.
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Conclusion: Post Office RD Scheme 2025
In this way, all investors who want to open an account in the post office recurring deposit scheme and want to get returns at every quarterly compound interest rate can go to the nearest post office branch today or open the post office recurring deposit account through their mobile app and start investment.
FAQs: Post Office RD Scheme 2025
How much will the RD post office interest rate be in 2025?
Post Office RD rates range from 6 to 90 percent to 7 to 50 percent for the general public and from 6 to 90 percent to 7 to 50 percent for the elderly.
Which is preferable, FD or RD?
While RDs might be appropriate for regular savers, FDs are best suited for individuals with lump sum savings looking for higher returns.
Is RD exempt from taxes?
Tax-free interest up to ₹10,000; however, your RD returns are fully taxable and fall under “income from other sources.
Is FD tax-free for five years?
Section 80C of the Income Tax Act exempts five-year tax-saving fixed deposits from tax deductions.
