Once your post office RD is matured, you can either renew it for five years or close it

If not renewed, your account will automatically close

Either you can get the amount transferred to your post office savings account

Or, you can receive the investment amount in the form of a cheque

10% TDS (Tax Deduction at Source) will be deducted if the deposit was more than ₹10,000 in a year.

If you have renewed your post office RD account, you can close it anytime during the renewal period. You can do this both offline and online.

Points to remember

In a post office RD, you can invest only for a period of five years and renew again for five years only. There is no other investment tenure available for post office recurring deposits

Post office RD offers the same interest rate across all post offices

Can take a ‘loan against post office RD’ after at least 12 deposits (instalments) completed a year