Post Office Recurring Deposit interest rate January-March 2026: 6.7% retained

There is no change in Post Office RD interest rate for January-March quarter.

The Post Office Recurring Deposit interest rate for the October-December quarter of FY 2025-26 was announced by the ministry on September 30, 2025. The Government had then also decided to keep the interest rate of this popular savings scheme unchanged at 6.7%.

Also known as National Savings Recurring Deposit Account(RD), the Post Office Recurring Deposit is currently offering 6.7% interest per annum. You can open a post office RD with as low as ₹100. There is no maximum limit.

The Post Office RD is a little different from banks in terms of flexibility. While many banks allow customers to break their RDs at any time, the Post Office Recurring Deposit can be closed prematurely after three years from the date of account opening, according to the Post Office website.

Post Office RD allows depositors to make advance deposits for any period up to 5 years. The scheme also offers a loan facility for up to 50% of the deposits made in the RD accounts at a simple interest of 2% over the applicable interest rate. One can repay the loan as a lump sum or in equal monthly instalments.

The Post Office RDs mature after five years. You can extend the RD account in the post office for another 5 years by applying at the concerned post office.

If the Post Office RD account is closed prematurely even one day before maturity then the Post Office Savings Account interest rate applies to the deposited amount.