What are the historical returns of Post Office Recurring Deposit?

1-year returns: 6.5–8.5%, 3-year: 6.5–8.5%, 5-year: 6.5–8.5%. Past performance is not a guarantee of future results.

What is the minimum investment for Post Office Recurring Deposit?

Minimum ticket size: ₹1,000. ₹1,000 minimum.

9. Deposits & Small Savings

Post Office Recurring Deposit

Recurring Deposits

Government-backed recurring deposit scheme offered through India Post.

Risk Level

Low ★★☆☆☆

Liquidity

🔴 Low

Min Investment

₹1,000

Ticket Size

₹1,000 minimum

Ideal Horizon

1–5 years

Region

India

📈 Historical Returns (Indicative)

1 Year

6.5–8.5%

3 Years

6.5–8.5%

5 Years

6.5–8.5%

10 Years

7–8%

20 Years

7–8%

⚠️ Indicative historical ranges only. Past performance does not guarantee future results. Returns vary significantly across individual instruments.

🧮 XIRR Calculator — Post Office Recurring Deposit

Enter your actual investment dates and amounts to calculate your personal annualised return (XIRR). Use negative values for money invested, positive for money received back.

✅ Pros & ❌ Cons

Advantages

✅ Low risk — capital largely protected

Disadvantages

❌ Low liquidity — funds may be locked in for years

🚀 How to Invest in Post Office Recurring Deposit

Visit your bank branch or use net banking / mobile app
Compare rates: BankBazaar, Paisabazaar aggregator sites
DICGC insurance covers up to ₹5 lakh per bank per depositor
Senior citizens get 0.25–0.5% extra rate at most banks

💰 Tax Treatment (India)

Gains taxed as per applicable income tax slab or capital gains rules
Consult a tax advisor for your specific situation

Disclaimer: This page is for educational purposes only and does not constitute financial advice. Returns shown are indicative historical ranges and not guaranteed. Consult a SEBI-registered investment advisor before investing.

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