Post Office FD and RD: How To Build Rs.1 Crore in 20 Years?

| Last updated: 14 May 2026

Quick Summary
Building a Rs 1 crore retirement fund is achievable with disciplined investment in government-backed Post Office Fixed Deposit (FD) and Recurring Deposit (RD) schemes over 20 years. By investing Rs 10 lakh in a 5-year FD (earning 7.5%) and Rs 10,000 monthly in an RD (earning 6.7%), and reinvesting the maturity amounts, you can accumulate nearly Rs 97 lakh. The total personal investment over 20 years would be Rs 34 lakh.

Overview Many people believe that building a Rs 1 crore retirement fund is very difficult but if you invest in safe government-backed schemes like Post Office FD and RD regularly for 20 years with patience and discipline, you may create a large corpus. Currently, Post Office Fixed Deposit Sch
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Mitali

About the Author

Finance Professional

I write about Income Tax, GST, TDS, RBI updates, government schemes, and personal finance in India. My focus is on simplifying complex tax and compliance topics into easy-to-understand guides that help readers stay updated with the latest financial rules, investment options, and regulatory changes.

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