Save ₹200 a Day and Create a Fund of Over ₹10 Lakh With This Post Office Scheme

In an era of rising inflation, building a secure fund without taking risks has become a priority for many. If you prefer guaranteed returns and disciplined savings, the Post Office Recurring Deposit (RD) Scheme can be a smart and stress-free choice.

What Is the Post Office RD Scheme?

The Post Office RD is a government-backed savings scheme run by India Post. It encourages regular saving and helps investors gradually build a strong financial cushion. Since it is supported by the government, the investment remains completely safe from market risks.

Start Small, Think Big

One of the biggest highlights of this scheme is its low entry point. You can open an RD account with just ₹100. Even saving ₹200 a day, roughly ₹6,000 a month, can create a sizeable fund over time, proving that small savings can lead to big results.

Guaranteed Returns with 6.7% Interest

The Post Office RD currently offers an annual interest rate of 6.7%, compounded quarterly. This compounding feature steadily boosts your savings, while the fixed interest ensures your money is not affected by market ups and downs.

Flexible Tenure Options

The standard maturity period of the RD is five years. However, after maturity, you can extend the account for another five years. This allows you to stay invested for up to ten years and enjoy higher interest benefits.

Loan Facility in Times of Need

After one year of opening the RD account, you can take a loan of up to 50% of the deposited amount. The loan interest is only 2% higher than the RD rate, making it an affordable option during financial emergencies.

Premature Closure and Nominee Benefits

The scheme also offers flexibility through premature closure after three years. In case of the account holder’s death, the nominee can either claim the deposited amount or continue the account, ensuring financial security for the family.

How ₹200 Daily Savings Grow

Saving ₹200 daily equals a monthly investment of ₹6,000.

In 5 years:

• Total investment: ₹3,60,000
• Interest earned: ₹68,197
• Maturity amount: ₹4,28,197

In 10 years (with extension):

• Total investment: ₹7,20,000
• Interest earned: ₹2,05,131
• Final amount: ₹10,25,131

The Post Office RD Scheme is ideal for those who want safe, steady, and guaranteed growth. With low starting investment, fixed returns, and added flexibility, it turns regular savings into a strong financial foundation for the future.