Post Office RD Scheme: Save ₹200 Daily & Get ₹10 Lakh Guaranteed

Post Office RD ₹200 Daily Scheme: The Post Office Recurring Deposit (RD) Scheme is emerging as one of the safest and most reliable investment options for the common man. With just ₹200 per day, investors can build a corpus of over ₹10 lakh in 10 years, backed by a full government guarantee.

In times when the stock market is risky and bank returns are uncertain, this scheme offers stable returns and complete security.

How Saving ₹200 Per Day Becomes ₹10 Lakh

If you deposit ₹200 daily, it equals:

₹6,000 per month

₹72,000 per year

When this amount is invested regularly in a Post Office RD account for 5 years, the total investment comes to around ₹4.28 lakh.

If the maturity amount is extended for another 5 years, the total corpus grows to approximately ₹10.25 lakh, thanks to 6.7% annual interest, compounded quarterly.

Attractive Interest Rate with Quarterly Compounding

The Post Office RD currently offers an interest rate of 6.7%, which is compounded once every three months. This compounding helps investors earn higher returns over time without taking any risk.

Why Post Office Deposits Are Safer Than Banks

One major advantage of Post Office savings schemes is absolute safety.

Bank deposits are insured only up to ₹5 lakh

Post Office deposits carry 100% government guarantee

No limit on deposit protection

This makes the Post Office RD a perfect choice for middle-class families and long-term savers.

Easy Account Opening with Very Low Minimum Amount

RD account can be opened with just ₹100

No requirement to maintain a high minimum balance

Even ₹1 balance is acceptable

Ideal for rural residents and low-income earners

You don’t need to visit the post office daily. Simply enable auto-debit from your bank account, and the amount will be transferred automatically.

Premature Withdrawal Facility Available

In case of financial emergencies:

RD account can be closed after 3 years

Interest will be adjusted accordingly

Full safety of deposited money assured

Frequently Asked Questions (FAQ)

Is Post Office RD completely safe?

Yes. It is backed by the Government of India, making it one of the safest investment options.

What is the minimum monthly deposit?

The minimum deposit starts from ₹100 per month.

Can I invest daily instead of monthly?

While RD is monthly, saving ₹200 daily helps you comfortably deposit ₹6,000 per month.

Is premature withdrawal allowed?

Yes, after 3 years, with reduced interest benefits.

Who should invest in this scheme?

Salaried employees, small traders, farmers, and anyone looking for risk-free long-term savings.

Conclusion

The Post Office RD Scheme proves that even small daily savings can create a strong financial future. With ₹200 per day, guaranteed returns, and zero risk, this scheme is ideal for those who want peace of mind along with wealth creation.

For anyone planning a secure ₹10 lakh corpus, this Post Office scheme is truly a bumper opportunity.

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Sri Lakshmi

Srilakshmi a bilingual content writer with 5 years of experience in Telugu and English news writing. Passionate about storytelling and trending topics, Srilakshmi delivers accurate and engaging content for readers worldwide.