Post Office RD Scheme 2025 : Friends, a new scheme has been launched by the post office for all Indian people. Yes, the name of the new scheme launched by the post office is Post Office RD Scheme 2025.
Guaranteed returns are going to be received under the scheme, for which through this article we will tell you in detail about opening an account under Post Office RD Scheme 2025.
Post Office RD Scheme 2025 Brief Introduction
Post Office RD Scheme is a recurring deposit scheme. In this scheme, you will be able to deposit a fixed amount every month and after 5 years you will be given a guaranteed return. Post Office RD Scheme is especially for all those people who are interested in growing their money with safe and fixed interest.
The interest rate offered on the amount deposited in this scheme is 6.7% to 7.5%. It is compounded on quarterly basis. If you want, you can deposit a minimum of ₹100 in the scheme and loan facility is also made available in it.
Some important points of Post Office RD Scheme
- This scheme is being given guaranteed security by the Government of India, due to which your invested money will remain safe
- You can start investing as little as ₹100 every month.
- There is no limit on maximum investment.
- In the year 2025, interest rate ranging from 14.7% to 7.5% is being offered on the scheme.
- Interest is added to the invested amount every 3 months.
- If you deposit 12 installments, you will be able to get a loan of up to 50% of the amount deposited.
- If necessary, the account can be closed after 3 years.
Documents for Post Office RD Scheme
- Identification Card (eg:- Aadhar Card, Voter ID Card, PAN Card)
- Address proof any one document
- Passport size photo
- account opening form
- etc documents are required
Terms and Conditions for Post Office RD Scheme
- How is it mandatory to deposit it by the due date every month?
- If the installment amount is missed then ₹1 per 100 default will be charged again.
- If you do not deposit the installment for four consecutive times, the account will become inactive, however you will be able to revise it within 2 months.
- If you close the account before time then the interest rate will be reduced.
- Interest percentage will be deducted only if the annual interest exceeds ₹40000 (₹50000 for senior citizens).
How to open an account in Post Office RD Scheme?
- To open an account, you have to go to the nearest post office or apply online.
- Important documents and photos have to be submitted.
- The account opening form has to be filled properly.
- But the first installment has to be deposited.
- You have to get the passbook.
