If you also think that money cannot be doubled without any risk, then definitely see this scheme of Post Office once. By saving just ₹2000, ₹3000 or ₹5000 every month, you can get lakhs in 5 years — and that too with 100% government guarantee.
The name of this scheme is Post Office Recurring Deposit (RD). In this you do not have to worry about the stock market, nor fear of losing money – just deposit a fixed amount every month and on maturity get a huge amount with excellent interest.
Special features of RD scheme – Why is this scheme the first choice of people?
operated by government of india – That means money is completely safe fixed return – Know from the first day how much you will get Small savings, big benefits – Can start from ₹100 also Big fund in 5 years – Make big returns by depositing a little every month benefit of interest on interest – Quarterly compounding makes money grow faster
What is the interest rate?
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Interest rate on Post Office RD (April-June 2025): 6.7% per annum
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Interest is compounded quarterly
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This means that the interest received after every three months is also added to the principal amount.
Now let’s see the most important thing – how much will you get in 5 years?
If you deposit ₹2000 per month:
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Total Deposit: ₹2,000 × 60 = ₹1,20,000
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Total interest: ₹21,983 (estimated)
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Total amount on maturity: ₹1,41,983
If you deposit ₹3000 per month:
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Total Deposit: ₹3,000 × 60 = ₹1,80,000
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Total interest: ₹32,975 (estimated)
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Total amount on maturity: ₹2,12,975
If you deposit ₹5000 per month:
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Total Deposit: ₹5,000 × 60 = ₹3,00,000
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Total interest: ₹54,958 (estimated)
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Total amount on maturity: ₹3,54,958
Note: Interest is calculated at the rate of 6.7% compounded quarterly. This is an estimate, actual amount may vary slightly.
How to open post office RD account?
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Go to any nearest post office
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Fill Recurring Deposit (RD) Form
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Carry documents like Aadhaar, PAN
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You can start from ₹100
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Deposit on time every month — otherwise a minor penalty may apply