Recurring deposit kya hai — ye sawal un logon ke man me sabse pehle aata hai jo har mahine salary me se thodi-thodi bachat karna chahte hain, lekin ek saath bada paisa invest nahi kar sakte. RD ek aisi sarkari bachat yojana hai jisme aap har mahine ek fixed rakam jama karte hain, aur 5 saal baad byaaj samet poori rakam wapas milti hai.
Is guide me hum samjhenge ki Post Office RD kaise kaam karta hai, 2026 me is par kitna byaaj mil raha hai, 5 saal me kitna paisa banega, aur ise kaise kholein. To chaliye, step by step samajhte hain ki recurring deposit kya hai aur iska fayda kaise uthayein.
Recurring Deposit Kya Hai?
Recurring Deposit (RD) me aap har mahine ek tay rakam — jaise ₹1,000 ya ₹5,000 — apne account me jama karte hain. Ye rakam 5 saal tak lagatar jama hoti hai, aur is par sarkar dwara tay byaaj milta hai. Maturity par aapko kul jama rakam ke saath byaaj bhi milta hai.
Post Office ka RD (National Savings Recurring Deposit) Bharat Sarkar ki small savings scheme hai — isliye isme paisa poori tarah surakshit rehta hai.
Post Office RD Par Kitna Byaaj Mil Raha Hai? (2026)
Vitt Mantralaya ne 30 September 2026 ko ghoshna ki hai ki October–December 2026 ki timahi me Post Office RD par 6.7% salana byaaj milega. Byaaj har timahi (quarterly) me jod diya jaata hai, jisse compounding ka fayda milta hai.
| Yojana | Byaaj Dar (Oct–Dec 2026) | Avadhi |
|---|---|---|
| Post Office RD | 6.7% salana | 5 saal |
5 Saal Me Kitna Paisa Banega?
Neeche diye gaye aankde 6.7% byaaj par anumanit maturity value hain:
| Mahine Ki Rakam | 5 Saal Me Kul Jama | Anumanit Maturity |
|---|---|---|
| ₹1,000 | ₹60,000 | lagbhag ₹71,000 |
| ₹2,000 | ₹1,20,000 | lagbhag ₹1.42 lakh |
| ₹5,000 | ₹3,00,000 | lagbhag ₹3.55 lakh |
| ₹10,000 | ₹6,00,000 | lagbhag ₹7.10 lakh |
Ye sirf samjhane ke liye anuman hai — asli maturity aapke jama karne ki tarikhon par thodi upar-neeche ho sakti hai.
Post Office RD Ke Mukhya Niyam
- Minimum jama: Sirf ₹100 mahine se khata khul jaata hai. Uske baad ₹10 ke gunaj (multiples) me kitni bhi rakam jama kar sakte hain — koi maximum limit nahi.
- Avadhi: 5 saal (60 mahine ki kishten).
- Kaun khol sakta hai: Koi bhi vayask (adult) akele ya joint account khol sakta hai. 10 saal se upar ke bachche ke naam par bhi khata khul sakta hai.
- Default par jurmana: Agar mahine ki kisht time par jama na ho, to ₹100 par ₹1 ka jurmana lagta hai.
- Tax: RD ke byaaj par koi 80C ki chhoot nahi milti, aur byaaj aapki income me judkar tax ke dayre me aata hai.
Beech Me Paisa Nikalna Ho To? (Premature Closure)
Normal tor par RD 5 saal ka hota hai, lekin khata kholne ke 3 saal poore hone ke baad aap ise band karke paisa nikal sakte hain. Dhyan rahe — aisi sthiti me aapko RD wala 6.7% byaaj nahi milega; balki Post Office savings account wala byaaj (filhal 4%) milega. Isliye beech me nikalna nuksan ka sauda ho sakta hai.
RD Par Loan Ki Suvidha
Agar aapne 12 mahine ki kishten jama kar di hain aur khata 1 saal purana hai, to aap apne RD balance ka 50% tak loan le sakte hain. Is loan par byaaj RD ke byaaj se 2% zyada lagta hai. Emergency me ye suvidha kaam ki hai — khata todne ki zaroorat nahi padti.
RD Kaise Kholein — Step By Step
Recurring deposit kya hai ye samajh lene ke baad, ise kholna bahut aasan hai — bas ye 5 steps follow karein:
Step 1: Nazdeeki post office jayein ya India Post ki official website par RD account opening form dekhein.
Step 2: Pehchan patra (Aadhaar/PAN) aur photo ke saath form bharein.
Step 3: Mahine ki rakam tay karein — utni hi rakhein jitni 5 saal tak aaram se de sakein.
Step 4: Pehli kisht jama karein. Uske baad har mahine ki kisht 15 tarikh tak (ya niyam anusar) jama karte rahein.
Step 5: Chahein to apne bank/post office account se auto-debit lagwa lein, taaki kisht bhoole na.
Post Office RD vs Bank RD
| Vishaeshata | Post Office RD | Bank RD |
|---|---|---|
| Byaaj dar | 6.7% (sarkar tay karti hai) | Bank khud tay karta hai |
| Suraksha | Sarkari guarantee | Bank par nirbhar |
| Minimum jama | ₹100/mahine | Aksar ₹500–₹1,000/mahine |
| Loan suvidha | 50% tak | Bank ke niyam anusar |
Kaun Logon Ke Liye RD Sahi Hai?
RD unke liye sabse achha hai jo har mahine fixed income paate hain — naukri-pesha, chhote vyapari, ya students jinke paas pocket money se bachat hoti hai. Agar aapka lakshya 5 saal me shaadi, padhai ya koi bada kharcha hai, to RD ek disciplined aur surakshit tarika hai. Sankshep me, recurring deposit kya hai — yehi har mahine ki chhoti bachat se bada fund banane ka surakshit tarika hai.
Aur bachat ke tarikon ke liye hamara 50-30-20 budget guide bhi padhein, aur finance ki aur jaankari ke liye Finance section dekhein.
Yeh sirf jaankari hai, financial advice nahi hai. Byaaj daren sarkar har timahi me badal sakti hai — nivesh se pehle India Post ki official website zaroor check karein.