Estimate a Post Office recurring-deposit maturity from equal monthly instalments.
This assumes equal monthly deposits made at the start of each month. It does not model missed-installment penalties, account limits, premature closure or tax treatment.
Method: Each start-of-month contribution grows at the effective monthly rate derived from your annual rate.
Inputs used: Currency = INR; Monthly contribution = 5,000; Annual interest rate = 6.7 %; Investment term = 5 years
Assumptions: The result uses the values, units and options shown in the input snapshot.
Scope and warnings: This assumes equal monthly deposits made at the start of each month. It does not model missed-installment penalties, account limits, premature closure or tax treatment. Rounding and excluded real-world terms can make an external result differ.
India Post savings schemes · As stated by the source · effective As published · reviewed 2026-09-12
medium confidence · Deterministic calculation
Linked as a method or contextual reference; calculator inputs remain visible and editable where applicable.
Exclusions: Source applicability and any jurisdictional limits remain those stated by the publisher.
Each start-of-month contribution grows at the effective monthly rate derived from your annual rate.
A ₹5,000 monthly deposit over five years separates ₹3 lakh of deposits from estimated interest.
No. This is an on-time deposit schedule. It excludes missed-deposit penalties and premature closure rules.
Calculations run on your device. Review your results before exporting or sharing them.
The projection assumes equal deposits at the start of every month.
Missed payments, penalties and closure rules can change the official maturity value.
Published by ToolMitra — methods and editorial approach.