A Recurring deposit is a product where you can deposit on monthly basis and earn better interest 

5-Year Post Office Recurring Deposit Account (RD)

Know your Investment

without a clear objective, one does not have to stop their journey in short

Retirement Planning Child Higher Education Vacation Planning Home Purchase

5.80% Interest

Minimum INR 100/- per month or any amount in multiples of INR 10/-. No maximum limit.

Feature

Who can open

Single,  Joint Holder,  a guardian on behalf of minor,  minor above 10 years in his own name

Where to Look:

Default - non payment

After 4 regular default. account become discontinue

Where to Look:

Advance Deposit

Rebate on advance deposit at least 6 installment. for Rs. 100 denomination rebate Rs. 10 for 6 month , Rs. 40 for 12 month

Where to Look:

Loan against RD

After 12 installments & account is continued for 1 year  loan facility  50% of the balance in the account. Interest on loan will be applicable as 2% + RD interest rate

Where to Look:

Premature Closure

RD Account can be closed prematurely after 3 years from the date of account opening PO Savings Account interest rate will be applicable if the account is closed prematurely

Maturity

5 years (60 monthly deposits) from the date of opening Account can be extended for 5 years .

Where to Look:

Repayment on the death 

On the death of account holder nominee/claimant can submit claim at  Post Office.

Where to Look:

PUNEINVEST

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Post Office Recurring Deposit offers many benefits to individuals. RD's help them save for emergencies.