How this calculator works
- Tap a scheme chip.
- Drag the slider or type the amount.
- Read the maturity, interest and year-by-year chart on the right.
Worked example: PPF ₹1,50,000 a year for 15 years
Total deposit ₹22,50,000. Interest compounds yearly at 7.1 percent on the running balance and adds about ₹18.18 lakh. Maturity is around ₹40.68 lakh, fully tax-free under EEE.
What the rules say
Schemes are notified under the Government Savings Promotion Act, 1873 and scheme-wise 2019 rules: PPF Scheme 2019, NSC (VIII Issue) Scheme 2019, SCSS 2019, SSY Account Scheme 2019, KVP Scheme 2019, and the Post Office MIS / TD / RD Schemes 2019.
indiacode.nic.in · Latest Ministry of Finance notification.
FAQs
- Are post office schemes safe?
- Yes. Sovereign backing on principal and notified interest.
- How often do rates change?
- Every quarter, notified by the Ministry of Finance. Rate at date of investment is locked for the tenure of most schemes; PPF and SSY reset.
- Highest return in 2026?
- SCSS and SSY at 8.2 percent. SCSS needs age 60+. SSY is for a girl child under 10.
- Is NSC tax-saving?
- Yes, Section 80C up to ₹1,50,000 a year.
- Does MIS give monthly income?
- Yes, monthly into the linked savings account. Cap ₹9 lakh single / ₹15 lakh joint.
- When does KVP double?
- In 115 months (9y 7m) at 7.5 percent.