In India, people always look for options to invest their money and expect high returns from them. One such option for investment in India is Post Office 10,000 Per Month Scheme 2026. This scheme allows you to invest monthly for a specific time period and gets interest on that money. The Post Office Savings schemes in India are Government backed, safe and offer fixed return. This scheme is also known as the National Savings Recurring Deposit scheme. The Banks RD Schemes offer lower interest rate but this Post office RD Scheme offers high rate of return.
Post Office 10,000 Per Month Scheme 2026
The Post Office 10,000 Per Month Scheme 2026 is part of the Recurring Deposit. Under this scheme, account holders are allowed to invest monthly and in return they get interest. For 5 years, the deposits should be made monthly and the interest is compounded quarterly. Those who invest 10,000 per month for a period of 5 years then in return they could get around Rs. 7 Lakh or Rs. 7.25 Lakh. It usually depends on the compounding period and the rate of interest.
PO National Savings RD Scheme 2026 – Quick Facts
| Post Title | Post Office 10,000 Per Month Scheme 2026 |
| Year | 2026 |
| Country Name | India |
| Scheme Name | National Savings RD Scheme |
| Who Can Open an Account? | Indian Residents with age 18 or above |
| Minimum Deposit | Rs. 100/- |
| Maximum Deposit | No Limit |
| First Monthly Deposit | Minimum Rs. 100 at the time of account opening |
| Monthly Deposit Dates | 15th of each month (if account is opened before 16th of the month) / Last working day of each month (If account is opened b/w 16th to last working day of the month) |
| Maturity Period | 5 Years |
| Premature Closure | Permitted after 3 years |
| Repayment Options | At the time of maturity |
| Interest Rate | To be Announced |
| Category of the Post | Finance |
| Official Web Portal | www.indiapost.gov.in |
Post Office Monthly Rs. 10,000 RD Deposit Calculation 2026
Let’s calculate the maturity value for a Post Office RD where a person’s monthly investment is Rs. 10,000 for 5 years. Let’s assume the interest rate to be 6.7% per annum which is compounded quarterly.
- Monthly Deposit = Rs. 10,000
- Annual Interest Rate = 6.7%
- Quarterly Interest Rate (r): 6.7 ÷ 4 = 1.675% = 0.01675
- Number of Quarters (n) = 5 Years * 4 = 20 Quarters
Formula:
| Maturity Value = Monthly Deposit × {(1+r)n- 1}/{1- (1+r)-1/3} |
Maturity Value = 10000 × {(1+0.01675)20- 1}/{1- (1+0.01675)-1/3}
- (1+0.01675)20 = 1.39406
- (1+0.01675)-1/3} = 0.99447
M = 10000 × {1.39406- 1}/{1- 0.99447}
M = 10000 × {0.39406}/{0.00553}
M = 10000 × {71.2585}
M = 7,12,585
PO Recurring Deposit Interest Rate 2026
The PO RD Interest Rate is revised quarterly. As of now, the interest rate for 2026 has not yet been announced. Always check the latest notification from India Post Office official portal for current interest rates.
PO National Savings RD Calculator 2026
There are various online calculators that instantly show how much you can get after providing the monthly deposit amount, Rate of interest and time period. The online tools are available on portals such as Groww, ClearTax, Kotak Securities, Angel One, Policybazaar and more.
- Visit the official portal of any of these.
- Look for the Post office RD Calculator.
- Provide the monthly investment amount.
- Select number of years.
- Enter Rate of Interest.
- Go to the Calculation Button.
- It will instantly show how much would be the maturity amount including interest earned.
FAQs Related To Post Office 10,000 Per Month Scheme 2026
Any person who is aged 18 or older and holds Indian residency can make deposits in the Post Office RD Account 2026. Also minors with the guardians can make deposits.
The Minimum Deposit Amount for the PO RD Scheme 2026 is Rs. 100/-.
Interest Rate is calculated quarterly under the PO Recurring Deposit Scheme 2026.
As of now, the PO National Savings RD Interest Rate 2026 is not yet announced. Check out the Indiapost.gov.in official portal to know current rates.
Yes, after 3 years of deposits, the account holder can preclose the PO RD Account 2026.
Account holders will get around Rs. 7 Lakh or Rs. 7.25 Lakh if they invest Rs. 10,000 per month for a period of 5 years in the PO RD Scheme 2026.