Post Office RD 2026: Get a fund of ₹ 8.54 lakh by monthly savings of just ₹ 5,000! Know the benefits of this cool scheme of Post Office

Lucknow: If you want to prepare a big fund for your future without any risk, then the Recurring Deposit (RD) scheme of the Indian Post Office can prove to be the best option for you. Away from the ups and downs of the stock market, this government scheme is giving you much better and guaranteed returns than bank FDs. At present, the government is offering an attractive interest rate of 6.7% per annum on this scheme. ‘Digital Gullak’ starts with just ₹ 100. The biggest feature of Post Office RD is its accessibility. Keeping in mind middle and low income group families, this account can be started with just ₹100 per month. There is no maximum limit on investment in this, so you can deposit ₹ 500, ₹ 1000 or even ₹ 5,000 per month as per your saving capacity. Magic of saving ₹ 5,000: Return of ₹ 3.56 lakh in 5 years. If you save ₹ 5,000 every month and invest in Post Office RD, then after 5 years (maturity period) you will have a good amount deposited. Details Figures (Approx)Monthly Deposit₹5,0000Total Investment in 5 Years₹3,00,000Approximate Interest (6.7%)₹56,830Total Amount on Maturity₹3,56,83010 Year Extension: ₹8.54 Lakh Big FundIf you extend this investment for another 5 years after completion of 5 years, then the magic of compounding (compound interest) Get benefit. By continuously depositing ₹5,000 for 10 years, your total maturity amount can be more than ₹8,54,272. The share of net interest in this is more than ₹ 2.5 lakh. Guarantee of loan and security when needed. Post Office RD not only increases your savings but also acts as a security cover in case of financial emergency: Loan Facility: You can take a loan up to 50% of the total deposit amount when the account is 1 year old and 12 installments have been deposited. Complete Security: Since this is a Post Office scheme, it has a Sovereign Guarantee of the Government of India. Is. Your money is 100% safe.Key Features at a GlanceInterest Rate: 6.7% (compounding on quarterly basis).Account Type: Single, Joint or also possible in the name of a minor above 10 years.Nomination: Facility to add a nominee at the time of account opening or later.Pre-Mature Withdrawal: Option to close the account after 3 years of account opening (subject to conditions).