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Q: Is it okay to keep cooked rice for a long period in the Fridge?

Krishna: The temperature at which you are storing the cooked rice is very important. At high temperatures, the rice gets spoiled very easily. At very low temperatures, it is okay to store for 2-4 days.

Set your refrigerator at or below 4°C. 

Let me also add a few more points.

Retrogradation in starch is the process where cooked and gelatinized starch molecules realign and recrystallize as they cool.  The rice leaves the water and becomes hard.

The steps involved are

Gelatinization: When you heat starch with water, the internal bonds break, and the starch granules swell to form a smooth gel. This is freshly cooked rice.
Cooling and realignment: As the cooked starch cools or sits in storage, the separated molecules—amylose (linear chains) and amylopectin (branched chains)—start moving back together. 
Hydrogen bonding: These chains line up parallel to each other and form tight hydrogen bonds, returning to a more ordered, crystalline state and squeezing out trapped water. 
That is why you see water coming out of the cooked rice if you store it for a long time.

Resistant starch creation: Cooling cooked starches like rice, potatoes, or pasta turns some digestible starch into resistant starch, which digests slower and acts as a prebiotic for gut health.
Desirable textures: The food industry relies on this process to make breakfast cereals, rice vermicelli, and parboiled rice. 

Effects on health
If the food isn't spoiled by microbes, it is okay to eat it.

Now you will get surprised.

Retrograded starch can help support blood glucose control by lowering the glycemic response of starchy foods. (1,2)

How does it work?

Cooking and Cooling: When starchy foods like rice, potatoes, or pasta are cooked and then cooled (typically in a refrigerator for 12 to 24 hours), their molecular structure changes. 
Formation of Resistant Starch: This process, called retrogradation, reorganizes the starch molecules into a tighter form that resists standard enzymatic digestion in the small intestine.
Fibre-Like Behaviour: Because it behaves more like dietary fibre, retrograded (resistant) starch is not fully broken down into glucose, resulting in a smaller and more gradual rise in blood sugar. 
Retained Benefits: Even if you reheat the cooled food before eating it, a significant portion of the resistant starch remains intact. 
In a 2021 meta-analysis published in The American Journal of Clinical Nutrition, 745 potential articles and 25 randomized crossover trials were reviewed; and results from the analysis demonstrated that there was a significant decline in blood sugar rise and subsequent insulin secretion post-mealtime caused by foods that contained higher levels of resistant starch. (3)

Another study looking at the impact on post-meal blood sugar rise amongst individuals with type 1 diabetes using the starch retrogradation method, which focused on cooked and cooled rice, also demonstrated an association with a lowered post-meal blood sugar response.

However, it should be noted that in this same study, the starch retrogradation method did increase the risk of a post-meal hypoglycemic episode (low blood sugar) when using and administering insulin. This association is likely due to the alteration of the starch structure, creating a more rigid bond as previously mentioned, which inhibits the quick digestion of the starch chain into its simpler, individual sugar molecules.

As a result, in this particular study, insulin dosage was adjusted for patients consuming the cooked and cooled rice to account for the slower and less noticeable blood sugar rise.

This benefits blood sugar control!
Lower Glycemic Index: Chilling  carbohydrates lowers their overall glycemic impact compared to freshly cooked alternatives. 
Gut Health Support: Resistant starch travels to the large intestine, where beneficial gut bacteria ferment it into short-chain fatty acids, which may further improve long-term metabolic and insulin health. 
Context Matters: While beneficial, it is best viewed as a helpful dietary tweak within an overall balanced eating pattern rather than a standalone cure for blood sugar spikes. 

The process of starch retrogradation is simple: cook and cool your starchy foods.

Regarding pasta, potatoes, and rice, boil or cook the starchy food of choice by standard practice. These foods should have a minimum temperature of 135 °F when cooked and can then be cooled to a temperature of roughly 70 °F within 2 hours of cooking. If you keep this rice in the fridge, it can cool down to 0-4°C.

If using the refrigerator to accomplish this second step of cooling, work to ensure that the containers have a way to vent the heat from the food and arrange the containers in a way to maximize the heat transfer.

It is important to allow these foods to cool completely; the longer they have time to cool, the more structured the resistant starch bonds become, increasing the impact of this process on blood sugar control and outcomes.

However, you should be able to eat hard rice that tastes weirdly. If you don't mind that, it is okay to eat it like I do. No, I don't have diabetes but still I eat fridge-stored rice!
Earlier times people used to eat rice stored overnight.

Chaddi Annam (also known as Chaddannam or Saddi Annam or Pazhaya Soru/Neeragaram or “Pazham Kanji”,  “pazhaya saadam” or “Paani Waala Chawal” or simply "kanji"  ) is a traditional South Indian breakfast made from leftover cooked rice fermented overnight with water, milk, or buttermilk. Once considered a humble "poor man’s breakfast," modern nutritional science has recognized it as a potent probiotic superfood with immense health benefits. 

Why Chaddi Annam is good for you according to ancient Indian medical science

Natural Probiotic Powerhouse: The overnight fermentation process generates hundreds of millions of beneficial lactic acid bacteria (good bacteria). These live microorganisms help balance your gut microbiome, vastly improving digestion and alleviating issues like bloating, gas, and constipation. 
Drastic Increase in Nutrients: Fermentation breaks down anti-nutritional factors like phytic acid, which normally blocks nutrient absorption. This drastically boosts the bioavailability of essential minerals. For example, the available iron content in the rice can increase several fold after 12 hours of fermentation. 
Rich in Vitamin B12: It is an excellent, rare plant-based source of Vitamin B12 and Vitamin B6. 
Superior Body Cooling: Traditionally consumed during harsh South Indian summers, Chaddi Annam acts as a natural coolant. It regulates internal body temperature, reduces body heat, and refreshes the system first thing in the morning. 
Lower Glycemic Impact & Weight Management: Fermentation transforms simple carbohydrates in white rice into resistant starch. Resistant starch doesn't break down into glucose as quickly, preventing sudden blood sugar spikes, feeding healthy gut linings, and keeping you feeling full and energetic for a longer duration.

By the way I have seen super markets in the US selling chaddi annam in earthen pots! 

And we were amused to see Indians there who always ate only freshly cooked hot rice in India bought this chaddi annam in the US and ate it as if it 's an exotic dish!

Footnotes:

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