Planning savings wisely can help in maintaining financial stability and one of the best ways to save regularly in India is through a PO Recurring Deposit. Investors before investing always look for return and this can be possible to know if the investor knows the Post Office Recurring Deposit Interest Rate 2026. This scheme allows individuals to deposit a fixed amount each month and earn fixed returns over a predefined period. This investment is a trusted option because it’s backed by the Government and offers higher return than the regular savings account and bank’s RD.
Post Office Recurring Deposit Interest Rate 2026
The Post Office Recurring Deposit Interest Rate 2026 is reviewed and set each quarter. As of now, for 2026, the interest rate has not been fixed. This scheme is suitable for people who want to develop a disciplined saving habit while earning regular interest. The amount for the investment can be as small as Rs. 100 per month and this makes it accessible for everyone. Interest under this RD Scheme is compounded quarterly and the account matures at the end of 5 years. The principal and interest is paid together at maturity. Whether someone is a salary person, homemaker, or retired person, this scheme allows one to plan savings conveniently while earning a secure return on the invested money.
PO Recurring Deposit Scheme 2026 – Key Highlights
| Post Title | Post Office Recurring Deposit Interest Rate 2026 |
| Year | 2026 |
| Scheme Name | National Savings Recurring Deposit Scheme |
| Offered By | India Post |
| Applicable In | PAN India |
| Who Can Invest? | Indian Citizens including adults, joint, and minors with guardians |
| Interest Rate | To Be Notified |
| Interest Payout | At Maturity |
| Compounding | Quarterly |
| Tenure | 5 Years |
| Tenure Extendable | Yes, for another 5 Years |
| Premature Closure | Allowed after 3 years |
| Minimum Investment | Rs. 100 Per Month |
| Maximum Investment | No Limit |
| Level of Risk Involved | Very Low |
| Category of the Post | Finance |
| Official Web Portal | www.indiapost.gov.in |
India Post RD Interest Rate 2026
The interest rate for PO RD 2026 will soon be announced. The interest rate is reviewed quarterly and is compounded quarterly. As of now, the interest rate for 2026 has not been confirmed. But it’s expected that the interest rate will be over 6.5% Per annum. The rate is slightly higher than regular savings accounts and Bank RD. To check out the current rate for PO Recurring Deposit check out indiapost.gov.in official web portal.
Post Office RD Scheme Eligibility 2026
The National Savings RD 2026 is widely accessible. Here’s who can open an account:
- Any Indian citizen can open an RD Account.
- Minors can also open an RD Account through a parent or guardian.
- There is no minimum age requirement but the guardian must be an adult.
- NRIs are not eligible to open a PORD account.
- Up to 3 adults can open this RD Jointly.
PORD Scheme Benefits 2026
Let’s check what benefits do this scheme offers:
- Safe Investment: This scheme is backed by the Government and there is no risk of losing the money invested.
- Regular Savings Habit: Monthly deposits can encourage financial discipline.
- Flexible Tenure: Investors can make deposits for 5 years and for another 5 years also this scheme can be extended. Also, the investor can prematurely close their account after 3 years of monthly investments.
- Quarterly Compounding: The interest is compounded quarterly and this can increase the returns.
- Easy Accessibility: This scheme is available at all post offices across India.
- No Large Lump Sum Needed: Investors can make monthly deposits from Rs. 100 which means the investor does not need high one time money for investment.
FAQs Related To Post Office Recurring Deposit Interest Rate 2026
Any Indian citizen can open a Post Office National Savings RD Account in 2026. Minors can also open through their parents or guardians. NRIs are not qualified to make investments under this scheme.
The minimum deposit under PORD Scheme 2026 is Rs. 100 and the maximum deposit under PORD Scheme 2026 is unlimited.
Check out www.indiapost.gov.in official web portal to know the National Savings PORD Interest Rate 2026.
The interest rate under the National Savings RD Scheme 2026 is compounded quarterly but deposited at maturity.
Investors can invest for a minimum 5 years and it can also extendable for another 5 years. It means for a maximum of 10 years, the National Savings PORD Account can be opened.