: You can start with as little as ₹100 per month , with increments in multiples of ₹10.
The scheme remains a cornerstone of safe, government-backed savings in India. As of May 2026, the scheme continues to offer a competitive interest rate of 6.7% per annum , compounded quarterly.
To build a custom calculator, you can use the Excel FV (Future Value) function or a manual formula tailored to the Post Office's specific compounding rules. post office rd calculator excel download
: Unlike bank RDs, the Post Office RD has a mandatory maturity period of 5 years (60 months) .
Managing your investments manually can be complex due to the quarterly compounding frequency. Below is a guide on how to build and use a to automate your financial planning. Core Features of Post Office RD (2026) : You can start with as little as
In cell E2, enter: =B2 * (( (1 + (C2/4))^20 - 1 ) / (1 - (1 + (C2/4))^(-1/3))) : Total Interest Earned ( =E2 - D2 ) Maturity Estimates (at 6.7% Interest)
Using the current rates, here is what your savings could look like after 5 years: Post Office RD Interest Rates 2026 - Bajaj Finserv To build a custom calculator, you can use
The Post Office compounds interest . To reflect this in Excel for a monthly deposit, use the following formula structure: =FV(Interest_Rate/4, Total_Quarters, -Monthly_Deposit*3, 0, 1)