New Post Office RD Interest Rate for October 2025: Earnings Explained

The Ministry of Finance has announced the interest rate for the Post Office Recurring Deposit (RD) scheme for the October-December 2025 quarter. As per the latest update, the Post Office RD continues to offer an interest rate of 6.7%, remaining unchanged from the previous quarter. The announcement was made on September 30, 2025, ahead of the new quarter.

Post Office Recurring Deposit Overview

The Post Office RD is a popular small savings scheme, especially among conservative investors seeking guaranteed returns. Under this scheme, deposits mature after 5 years from the date of opening. 

Investors can make recurring monthly deposits, which accumulate over time and earn interest at the applicable rate. The simplicity, security, and assured returns make it an attractive option for long-term savings.

Current Interest Rate Details

For the October-December 2025 quarter, the Post Office RD continues to offer an interest rate of 6.7%. This rate applies to all new accounts opened during this quarter. The Finance Ministry reviews and declares the interest rates for small savings schemes every quarter, including the Post Office RD, Public Provident Fund (PPF), and Senior Citizens Savings Scheme (SCSS).

Impact on Existing and New Account Holders

Ahead of the announcement, many Post Office RD account holders and prospective investors were anticipating a possible hike in interest rates amid rising market interest trends. However, the rate remained unchanged for the new quarter. 

It is important to note that any change in the Post Office RD interest rate applies only to new accounts opened during the quarter when the revised rate is announced. Existing account holders continue earning the rate applicable when they opened or last extended their RD account.

For example, if the Finance Ministry had announced a rate increase, only new deposits or accounts opened during the quarter would benefit from the higher interest. Current investors would continue earning the same interest rate as before, ensuring no disruption to their ongoing savings.

Read more:Post Office to Freeze Inactive Small Savings Accounts Like PPF, NSC, RD

Conclusion

The Post Office RD remains a trusted investment choice for savers seeking regular, guaranteed returns. With the October-December 2025 interest rate fixed at 6.7%, new investors can plan their deposits with certainty, while existing account holders continue to enjoy the benefits of the rate at which they opened or extended their accounts. 

Disclaimer: This blog has been written exclusively for educational purposes. The securities mentioned are only examples and not recommendations. This does not constitute a personal recommendation/investment advice. It does not aim to influence any individual or entity to make investment decisions. Recipients should conduct their own research and assessments to form an independent opinion about investment decisions.

Investments in the securities market are subject to market risks. Read all the related documents carefully before investing.