Post Office Calculators
Every small savings scheme at the rate the government sets each quarter: PPF, Sukanya Samriddhi, SCSS, MIS, NSC, KVP and the Post Office RD and Time Deposit.
Small savings schemes
9 calculatorsCalculate PPF maturity value in India using the official lowest-balance rule, with the deposit date that decides whether a month earns interest at all.
Sukanya Samriddhi Yojana calculator: SSY maturity value, tax-free interest and year-wise balance over 21 years at the current post office rate.
SCSS calculator at 8.2% for Oct-Dec 2026: quarterly payout, monthly equivalent and 5-year interest on up to ₹30 lakh, with TDS, tax and extension rules.
Calculate monthly interest payout on Post Office Monthly Income Scheme (POMIS) in India at 7.40% p.a. Check single (₹9L) and joint (₹15L) caps.
Calculate 5-year National Savings Certificate (NSC VIII Issue) maturity and interest in India at 7.70% p.a. with Section 80C deemed reinvestment.
KVP calculator: Kisan Vikas Patra at 7.5% doubles your money in 115 months. See the maturity value and date, early encashment values and tax.
Post Office RD calculator: maturity amount and interest on a 5-year recurring deposit at the current rate, compounded quarterly as India Post does.
Post Office FD calculator for 1, 2, 3 and 5-year time deposits: yearly interest, maturity amount and the 80C deduction on the 5-year term.
See the most you can borrow or withdraw from your PPF account each year under the PPF Scheme, 2019, with the balance and the real cost of a PPF loan.
Post Office Small Savings Schemes Master Rate Sheet
Notified sovereign interest rates by Ministry of Finance (DEA).
| Scheme Name | Interest Rate | Compounding / Payout | Statutory Tenure | Tax Treatment | Dedicated Tool |
|---|---|---|---|---|---|
| Post Office 5-Year RD | 6.7% p.a. | Compounded Quarterly | 5 Years (60 Months) | Taxable on withdrawal (No TDS) | Calculate → |
| Post Office Time Deposit (FD) | 6.90% to 7.50% p.a. | Quarterly (Paid Annually) | 1, 2, 3, or 5 Years | 5-Year term qualifies for Sec 80C | Calculate → |
| Monthly Income Scheme (POMIS) | 7.4% p.a. | Monthly Payout | 5 Years | Taxable at income tax slab | Calculate → |
| National Savings Certificate (NSC) | 7.7% p.a. | Compounded Annually | 5 Years | Section 80C deemed reinvestment | Calculate → |
| Public Provident Fund (PPF) | 7.1% p.a. | Compounded Annually | 15 Years | 100% Tax-Free (EEE Status) | Calculate → |
| Sukanya Samriddhi Yojana (SSY) | 8.2% p.a. | Compounded Annually | 21 Years (Deposit 15 Yrs) | 100% Tax-Free (EEE Status) | Calculate → |
| Senior Citizen Savings Scheme | 8.2% p.a. | Quarterly Payout | 5 Years (Extendable by 3 Yrs) | Section 80C eligible (TDS u/s 194A) | Calculate → |
| Kisan Vikas Patra (KVP) | 7.5% p.a. | Compounded Annually | 115 Months (9 Yrs 7 Mos) | Taxable on maturity (No TDS) | Calculate → |
Source: Department of Economic Affairs (Budget Division) office memorandum of 30 September 2026, File No. 1/4/2019-NS. Checked 2026-10-21.
Frequently Asked Questions
Which Post Office scheme offers the highest interest rate in 2026?
Are Post Office deposits safer than commercial bank deposits?
Which Post Office schemes qualify for Section 80C tax deduction?
How often do Post Office interest rates change?
Is TDS deducted on Post Office interest payouts?
Can I open Post Office accounts online through IPPB or internet banking?
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Reviewed by Pradipta Ray, MBA (Finance) · Updated