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Post Office RD interest rate

The Post Office RD interest rate is 6.7% for October to December 2026. What it earns on your money, when the rate is next revised, and the full rate history.

October to December 2026Best for: Building a monthly saving habitChecked 21 October 2026
Current rate6.7%a year · compounded every quarter
In effect since1 October 2023Previous 6.5% · +0.2%
₹5,000 a month for 5 years₹3,56,829at maturity, at 6.7%

Rate history

Every change since 1 April 2020. Ministry of Finance, every quarter.

In effect fromRateChange
1 October 2023Current6.7%+0.2%
1 July 20236.5%+0.3%
1 April 20236.2%+0.4%
1 April 20205.8%–
The rates for January to March 2027 are due to be announced by 31 December 2026.

Key facts

Who can open
Any resident individual
Deposit
From ₹100 a month
Term
5 years
Tax
Interest taxable

Run your numbers

Other rates

All interest rates →

About the Post Office RD rate

How the rate is set

The Ministry of Finance reviews small savings rates every quarter, broadly in line with government bond yields of similar maturity, and announces them just before each quarter begins.

Rate: 6.7% a year, compounded every quarter.

Open the RD calculatorMaturity value of a recurring deposit. Uses the current rate by default.Open the calculator

Frequently asked questions

What is the current Post Office RD interest rate?

6.7% (October to December 2026). It has applied since 1 October 2023.

When will the Post Office RD rate change next?

The rates for January to March 2027 are due to be announced by 31 December 2026.

What was the previous Post Office RD rate?

6.5%, from 1 July 2023 until 1 October 2023.

Does a rate change apply to my existing Post Office RD?

No. The rate on the day you invest is locked in for the full term of the deposit.

Sources