Post office RD interest rate: 6.7% for October-December 2026
Valid 1 October 2026 to 31 December 2026. Last checked 29 October 2026. Next review: on or around 31 December 2026, for January-March 2027.
The post office 5-year recurring deposit pays 6.7% a year for October-December 2026, compounded every quarter. Unchanged from July-September 2026. Rates have now been held for ten consecutive quarters.
What a post office RD pays at 6.7%
| Monthly deposit | You deposit | Interest | Maturity in 5 years |
|---|---|---|---|
| ₹500 | ₹30,000 | ₹5,683 | ₹35,683 |
| ₹1,000 | ₹60,000 | ₹11,366 | ₹71,366 |
| ₹5,000 | ₹3,00,000 | ₹56,829 | ₹3,56,829 |
| ₹10,000 | ₹6,00,000 | ₹1,13,658 | ₹7,13,658 |
Interest compounds quarterly, the method India Post uses. Try your own figures in the RD calculator.
Key rules
- Minimum ₹100 a month, in multiples of ₹10. No maximum.
- Runs for 5 years. The rate is locked on the day you open the account.
- Interest is taxable at your slab rate.
Compare with every other scheme on the small savings rates page, or read which scheme suits whom.
Questions people ask
What is the post office RD interest rate now?
6.7% a year for October-December 2026. Unchanged from July-September 2026. Rates have now been held for ten consecutive quarters.
How much is ₹10,000 a month in a post office RD after 5 years?
About ₹7,13,658 at 6.7%.
Sources: Ministry of Finance notification on small savings rates for Q3 FY 2026-27, reported 30 September 2026; Business Today: Small savings rates unchanged for Q3 FY27.