Post Office RD Scheme 2024: Friends, many types of saving schemes are run by the Post Office, by investing in which people are getting good returns. If you are also willing to invest, then Post Office RD scheme can be a good option for you. If you invest in this scheme, you will get very good returns. You will not have any problem in this, you get guaranteed returns.
If you work and want to get big returns by saving small amounts from your salary, then you can invest in the RD scheme of the post office. By investing in this scheme you can get very good returns in future. Many savings schemes are also being operated by the government through post office. Further we will give you complete information about Post Office RD Scheme.
Post office RD scheme 2024
The RD scheme of the post office is a scheme giving tremendous returns. Lakhs of people are taking benefits by investing under this scheme. If you do a job and want to save a small amount from your monthly salary, then you can secure your future by investing in Post Office Recurring Deposit Scheme (Post Office RD Scheme). By investing in this scheme, you will get huge returns in a very short time.
In this scheme, you have to deposit a fixed amount every month on which you get very good returns after a fixed period of time. Post office scheme is the first choice of many people for safe investment, so there is no need to worry because in this scheme you will get guaranteed returns. The interest rate of this savings scheme is decided by the government every 3 months.
Strong interest is being received in this scheme of post office
If you are also interested in investing in Post Office RD Scheme, then let us tell you that the interest rate of Post Office RD Scheme has been increased by the Central Government. If you invest in this scheme, now you will get an interest rate of 6.7%.
Post Office RD: ₹5000 monthly investment, ₹8.50 lakh in 10 years
A minimum of Rs 100 can be invested monthly in Post Office Recurring Deposit (PORD). There is no maximum limit for investment. You can invest as much as you want in multiples of Rs 10.
If you are investing Rs 5,000 monthly in Post Office RD, then after 5 years you will get Rs 3,56,830 on maturity. Your total investment in this will be Rs 3 lakh and you will get guaranteed interest of Rs 56,830. PORD account can be extended for next 5 years after maturity of 5 years. In this way, if you maintain your RD for 10 years, your total guaranteed fund will be Rs 8,54,272. In this, there will be a guaranteed income of Rs 2,54,272 from interest.
There is no risk in the recurring deposit scheme of the post office. Post office small savings schemes have sovereign guarantee. This is because this money is used directly by the government. Therefore, the investor’s money remains completely safe in these schemes.
Post Office RD: Pre-mature closure facility after 3 years
RD account can be opened in any post office branch for Rs 100. In this, a person can open any number of accounts. In this, apart from single, joint account can be opened for up to 3 persons. Guardian account can be opened for minors. The maturity of post office RD account is 5 years. But, pre-mature closure can be done after 3 years.
Loan can also be taken against RD account in post office. The rule is that after depositing 12 installments, a loan can be taken up to 50 percent of the amount deposited in the account. The loan can be repaid in lump sum or in installments. The interest rate on the loan will be 2 percent more than the interest on RD. It also has the facility of nomination.
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