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Post Office Saving Schemes 2025: Like filling a pot drop by drop, even a small investment can make your future financially strong. If you want to deposit a good amount, then invest in risk-free post office schemes. These schemes give good returns in a few years with a little investment every month and are a great option for the future. Let us know how much profit can be made in 5 years by depositing Rs 2 thousand every month in which post office scheme?

Post Office RD Scheme-
The Post Office Recurring Deposit (RD) scheme is an excellent, risk-free savings option. This government scheme keeps your money safe and gives good profits. You can invest a fixed amount for a period of 3 or 5 years. This scheme is ideal for those who want to increase their savings without any risk.

Why is the Post Office RD Scheme special?

Post Office Recurring Deposit Scheme is known for its monthly investment. You can start RD with Rs 100 every month. Being an RD scheme of the Government of India, your money will be 100 percent safe. Also, you will get the benefit of interest on it with a fixed return. Apart from this, a loan facility is also available. If your RD account is open, then you can also get a loan on your RD account. A nomination facility is also available with this account, due to which you can make anyone a nominee.

How much profit will you make in 5 years by depositing 2 thousand rupees every month?
If you start the Recurring Deposit Scheme (Post Office RD Calculation) in the post office with Rs 2000 per month, then how much profit will you make after 5 years? If you want to know this, then let us tell you that under this scheme, the annual interest rate is 6.7 percent, which is calculated based on quarterly compounding.

To understand, if you did an RD of Rs 2000 every month, then the total deposit amount in 60 months was Rs 1,20,000. The estimated interest received on this amount was around Rs 21,983. In such a situation, the total amount on maturity after 5 years can be up to Rs 1,41,983.

How to open a post office RD account?

To open a recurring deposit (RD) account, go to any nearest post office. Fill out a form there and submit an Aadhaar card, PAN card, and a passport-size photo along with it. You can open an account with a minimum amount of Rs 100. For example, if you want to invest in a scheme of Rs 2000 per month, then open the account by depositing Rs 2000 and depositing Rs 2000 every month for the next 5 years.

Discount on advance installment in RD-

Not only low interest rate is available in repaying the loan, but also the benefit of discount is available on depositing the advance installment. For example, if your monthly installment is Rs 1000 and you deposit 6 months' installment (6000) together, then you can get a discount of Rs 100. Similarly, if you pay 1 year's installment (12000) together, then you can get Rs 200 back. This gives you an opportunity for additional savings apart from interest.

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