Post Office RD Login 2025

 Step-by-Step Process to Log In to Your Post Office Recurring Deposit Account

Individuals who have a RD with the post office can use this new facility by clicking here. Before they access their details, they will need to register themselves.

This can be done by following these simple steps:

• Click on the “Register Now” tab in the page.
• A new page which deals with Offline Registration Maintenance will open. Click on “Continue”.
• Next, one would have to submit details like their name, gender, date of birth, mobile number, customer ID or Account ID, and contact details. These details should match the ones submitted with the post office.
• Once done, a user ID will be generated, which can be used for all future sessions.

Post Office RD Account: Services Available After Login

The internet banking facility offered by the Department of Posts enables one to do a number of activities, including those related to a RD account. The common permitted actions are mentioned below:

1. Ability to change the password and ‘sign-on’.
2. Check personal details and verify them.
3. Personalize the page as per an individual’s choice.

While these are generic actions, there are certain RD specific options which can be of great use. RD account holders who login using this facility are entitled to the following:

1. Get a summary of their account.
2. Get details pertaining to their RD account.
3. Get details related to any loan on their RD.
4. Details related to TDS.
5. Manage transactions related to their RD, including making payments towards the account and clearing loans on a particular RD account.

In addition to this, the facility also provides features which enables one to get mail, request for a particular service or provide feedback.

Bank RD vs Post Office RD 

Recurring Deposit (RD) is a brilliant investment tool if you are looking to maximize your savings without having to take too many risks. Various banks in India offer their customers the option to open an RD account and deposit a certain amount on a monthly basis to earn interest on it. If you do not wish to open an RD account with a bank in India, you can do so with the Post Office in India.

However, there are certain difference in the benefits offered by banks in India when compared to the ones offered by Post Office if you are looking to open an RD account. 

We will have a look at the difference between opening an RD account with a bank and post office in India:

1. The interest rates offered by lenders in India may vary. The rate of interest offered may go up to 7% p.a. However, if you open an RD account with Post Office, then you will earn an interest of 5.8% p.a. 
2. You can choose your tenure for investing in an RD account for up to ten years if you open one with a bank. However, in case of Post Office, the maximum investment tenure on offer is up to five years. 

1. Once your tenure is over, you can renew your RD account to continue investing. If you have opened an RD account with the bank and wish to renew, then you can choose your tenure as per your needs. However, in case of Post Office, if you wish to renew, then the tenure will have to be five years. 
2. You can prematurely withdraw your investment amount. While for Post Office you can withdraw only 50% of the deposit amount, for banks, you can withdraw up to 95% of the amount. 
3. Nomination facility is available for both banks and post office. 
4. The rate of interest is calculated on a quarterly basis for both banks and post office. 
5. TDS at the rate of 10% will be deducted if the RD amount is more than Rs.10,000 in a year regardless of whether you have an RD account with the bank or post office. You will have to submit Form 15G or Form 15H to avoid TDS. 

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