Post Office Scheme / Post Office's amazing scheme, you will get the benefit of 7 lakh rupees without any risk

Post Office Scheme: In today's fast-paced life, saving money for future needs is not only wise but has become an essential requirement. Children's education, building a house, wedding expenses, or retirement planning—every dream requires adequate funds to come true. But many people want to invest in a place where the risk is minimal and good returns are also available. If you are also looking for such a safe and reliable investment option, then the Post Office Recurring Deposit (RD) Scheme can be a great opportunity for you. Through this scheme, you can save up to Rs 7 lakh in just five years. Let's know about this scheme in detail.

What is Post Office RD Scheme?

The RD scheme of the post office is a savings scheme in which you deposit a fixed amount every month. This scheme is run by the Government of India, due to which it is completely safe and reliable. In this scheme, interest is added every quarter (once in three months) and your money grows rapidly on the basis of compounding. The most special thing about it is that this scheme encourages small and regular investments, so that people of every class can take advantage of it.

How to save Rs 7 lakh?

In the Post Office RD scheme, you can start investing with a minimum of Rs 100 per month. But if you deposit Rs 10,000 every month, then in a period of five years you can save a total of Rs 7,13,659. Your total investment in this amount will be Rs 6 lakh, and the remaining Rs 1,13,659 will be received by you in the form of interest.

Basis of calculation:

• Monthly deposit amount: Rs 10,000
• Tenure: 5 years (60 months)
• Total deposit amount: 10,000 × 60 = Rs 6,00,000
• Interest rate: 6.7% per annum (for July-September 2025, compounded quarterly)
• Total maturity amount: Rs 7,13,659
• Profit from interest: 7,13,659 - 6,00,000 = Rs 1,13,659

This scheme is initially for five years, but you can extend it for another five years. That is, by investing for a total of 10 years, you can create an even bigger fund.

Interest rate and benefit of compounding

Currently (for the quarter of July-September 2025), the Post Office RD scheme is offering an interest rate of 6.7% per annum. This interest is compounded on a quarterly basis, which makes your savings grow faster. The government reviews the interest rate every three months, based on which the rate may change. This ensures that the scheme remains competitive according to market conditions.

Emergency loan facility

Another feature of this scheme is that if you suddenly need money, you can take a loan on your deposit. After making regular deposits for a year, you can take a loan of up to 50% of your deposit amount. The interest rate of this loan is 2% higher than the interest rate of RD. This facility provides you financial assistance in an emergency, without completely breaking your savings.

Other benefits

• Flexibility: Starting from a minimum of Rs 100, you can invest according to your capacity.
• Security: Being run by the government, this scheme is risk-free.
• Promotes regular savings: The facility of monthly deposit strengthens your saving habit.
• Extension Facility: After completion of five years, the scheme can be extended for another five years.