New Delhi, May 11 -- A disciplined investment strategy using a Rs.10 lakh post office fixed deposit (FD) and a monthly recurring deposit (RD) contribution of Rs.10,000 can potentially help investors build a corpus close to Rs.1 crore in about 20 years.

The calculation in this particular case is based on current India Post Office investment rates of 7.5% per annum for 5-year time deposits and 6.7% per annum for recurring deposits for the April-June 2026 quarter.

Now, given that compounding can significantly increase wealth over time, do remember that inflation may substantially reduce the real purchasing power of the final corpus. These essentials are critical and must not be ignored.

For these calculations, it is assumed that current p...