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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Data period: Post Office 5-year Recurring Deposit rate for July–September 2026 (6.7% p.a.)
Source: National Savings Institute, Ministry of Finance (DEA), Government of India
Last updated: 24-09-2026

Enter your monthly deposit and the current PORD interest rate to calculate the maturity amount over the fixed 5-year tenure.

Monthly deposit *

₹

Minimum ₹100/month, no upper limit, in multiples of ₹10.

Interest rate (per annum) *

Tenure (months) *

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
Field	Value
Monthly deposit	₹5,000
Interest rate (per annum)	6.7
Tenure (months)	60
Maturity amount	₹3,56,829.14
Total deposited	₹3,00,000
Total interest earned	₹56,829.14

Assumptions and limitations

This calculator assumes

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.

What it does not account for

Uses the rate notified for July–September 2026. Rates are revised every quarter; whether a revision changes the return on an existing deposit depends on the scheme's rules.

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.

Related calculators

Sources

Official sources

Interest Rate on National Savings Schemes (Post Office 5-year Recurring Deposit: 6.7% p.a. for July–September 2026) — National Savings Institute, Ministry of Finance (DEA), Government of India. Effective 01-07-2026, checked 24-09-2026.