Post Office RD Yojana 2025: Are you searching for a safe and guaranteed savings scheme in 2025? The Post Office Recurring Deposit (RD) Yojana is one of the best options for middle-class families, housewives, and salaried people.
With just ₹500 to ₹10,000 per month, you can start building a secure future. This scheme gives a 6.7% annual interest rate (compounded quarterly) and assured maturity value after 5 years.
Let’s explore complete details about Post Office RD Yojana 2025 – interest rate, maturity calculator, benefits, rules, and FAQs.
Key Features of Post Office RD 2025
- Interest Rate (2025): 6.7% per annum (quarterly compounding)
- Tenure: 5 years (can be extended)
- Minimum Deposit: ₹100 per month (multiples of 10)
- Maximum Deposit: No limit (depends on investor)
- Deposit Mode: Cash, cheque, or online (via IPPB app)
- Loan Facility: Available after 12 months (50% of balance)
- Premature Withdrawal: Allowed after 3 years with penalty
Maturity Calculator – Post Office RD Yojana 2025
| Monthly Deposit | Total Deposit (5 Years) | Maturity Value (6.7%) | Profit (Interest Earned) |
| ₹500 | ₹30,000 | ₹34,083 | ₹4,083 |
| ₹1,000 | ₹60,000 | ₹68,167 | ₹8,167 |
| ₹3,000 | ₹1,80,000 | ₹2,04,501 | ₹24,501 |
| ₹5,000 | ₹3,00,000 | ₹3,40,835 | ₹40,835 |
| ₹10,000 | ₹6,00,000 | ₹6,81,670 | ₹81,670 |
(Values are approximate, calculated at 6.7% annual interest)
Benefits of Post Office RD Yojana 2025
- 100% Safe & Government Backed – No risk of loss
- Small Start, Big Growth – Begin with just ₹100/month
- Flexible Deposit Options – Pay monthly or advance
- Loan Facility – Borrow against RD after 1 year
- Guaranteed Returns – No market risk like stocks or mutual funds
- Best for Salaried Class & Housewives – Disciplined savings
Eligibility Criteria – Post Office RD Yojana 2025
- Any Indian Citizen above 18 years can open RD account
- Parents/Guardians can open for minors
- Joint RD accounts allowed (up to 3 people)
- NRIs are not eligible
Premature Withdrawal Rules
- RD can be closed after 3 years from account opening
- Premature closure attracts 1.8% penalty on the deposit amount
- Loan facility is better than early withdrawal
Important Links – Post Office RD 2025
| Post Office RD Scheme | Click Here |
| Visit Homepage | Click Here |
FAQs – Post Office RD Yojana 2025
Q1. What is the current Post Office RD interest rate in 2025?
👉 6.7% per annum (compounded quarterly).
Q2. What is the minimum deposit required?
👉 Just ₹100 per month.
Q3. Can I withdraw money before 5 years?
👉 Yes, but only after 3 years with penalty.
Q4. Is Post Office RD better than Bank RD?
👉 Yes, because it’s government-backed and safer.
Q5. Can I open Post Office RD account online?
👉 Yes, through India Post Payments Bank (IPPB) app or by visiting a post office.
Conclusion
The Post Office RD Yojana 2025 is the best savings plan for people who want guaranteed, risk-free, and disciplined investment. With just ₹500 to ₹10,000 monthly, you can secure big returns and financial stability.
For Gujaratis, this scheme is truly “Nischit Bachat Yojana” – save today and enjoy assured wealth tomorrow.
👉 So, if you want to invest safely in 2025, Post Office RD is a must-choose option.