Post Office Savings Schemes Recurring Deposit interest rates · November 2026
Plan your recurring deposit at POSS
Before opening an RD
Estimates assume on-time monthly installments and quarterly compounding. Confirm the term, minimum installment, late payment rules, and early closure terms with the bank.
| Tenure | General | Senior | Applies to | Effective On | Source |
|---|---|---|---|---|---|
5 Years |
6.70% | – | Any amount | 1 Oct 2026 ✓ verified 13 Nov 2026 | official fetched 25 Sept 2026 |
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POSS RD return examples
| Monthly deposit | 60 months6.70% |
|---|---|
| ₹1,000 | ₹71,366+₹11,366 interest₹60,000 paid in |
| ₹2,000 | ₹1,42,732+₹22,732 interest₹1,20,000 paid in |
| ₹5,000 | ₹3,56,829+₹56,829 interest₹3,00,000 paid in |
| ₹10,000 | ₹7,13,658+₹1,13,658 interest₹6,00,000 paid in |
| ₹25,000 | ₹17,84,146+₹2,84,146 interest₹15,00,000 paid in |
Open a figure in the RD calculator. Darker shade = higher rate. ★ marks the highest rate for that amount. Deposits are paid at the start of each month, with quarterly compounding. Rates as of 14 Nov 2026. Confirm the current rate with the bank.
Before you book
POSS Recurring Deposit: frequently asked questions
What is the highest POSS Recurring Deposit interest rate?
As of 14 Nov 2026, Post Office Savings Schemes offers up to 6.70% p.a. on its recurring deposit (RD) (5 Years) for general customers. Rates below are as published by the bank. Confirm with POSS before investing.
Do senior citizens get higher Recurring Deposit rates at POSS?
Post Office Savings Schemes does not publish a separate senior citizen premium for these deposits in our data. Check the bank's official rate card for any senior-citizen offers.
When did POSS last change its Recurring Deposit rates?
RateScan.in has recorded no change to Post Office Savings Schemes's recurring deposit (RD) rates since it started tracking them on 25 Sept 2026.
Is my recurring deposit (RD) with POSS insured?
Deposits with Post Office Savings Schemes are insured by DICGC up to ₹5,00,000 per depositor per bank (principal + interest combined).
How current are these POSS rates?
RateScan.in refreshed this dataset on 14 Nov 2026; the bank's rates shown here are effective 1 Oct 2026. Rates can change without notice, so verify on the official POSS website before investing.
More POSS rates
Recurring Deposit rates at other banks
Good to know
Post Office Savings Schemes is a Government of India small savings scheme (not a bank deposit), backed by a sovereign guarantee via the Consolidated Fund of India, not DICGC insurance. Unlike bank FDs, Time Deposit and RD rates are the same for all ages. No senior citizen premium. The Senior Citizen Savings Scheme (SCSS) at 8.20% (5-year) is shown in the FD table for seniors; it has a ₹30 lakh investment cap, pays interest quarterly, and is available to those 60+ years of age (or 55+ on retirement). For comparison, top banks offer Bilagi Pattan Sahakari Bank 9.75%, Maharana Pratap Co-op Urban Bank 9.25%, Chatrapati Shivaji Maharaj Sahakari Bank 9.00% on 5-year FDs (DICGC-insured up to ₹5 lakh, vs. sovereign guarantee here). See the full Post Office schemes guide .
Informational only. Always confirm the current rate on the official POSS website before investing. Bank names and associated colors are used for identification purposes only. All bank names, logos, and trademarks are the property of their respective owners. RateScan.in is not affiliated with, endorsed by, or sponsored by any bank.
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