10 post office calculators
Post Office Calculators India
Compare schemes, check current rates, and calculate PPF, SSY, NSC, MIS, SCSS, RD and more — all in one place.
Rates: Q1 FY 2025-26·Updated 1 Apr 2025·Verify on India Post
India Post small savings schemes are popular across India for safety, fixed returns, and tax benefits. Use the rate table and comparison below to pick the right scheme, then open the calculator for your numbers.
Current post office interest rates
| Scheme | Rate | Tenure | Calculator |
|---|---|---|---|
| PPF | 7.1% p.a. | 15 years (extendable) | Calculate |
| SSY | 8.2% p.a. | 21 years (deposit 15 yrs) | Calculate |
| NSC (VIII Issue) | 7.7% p.a. | 5 years | Calculate |
| KVP | 7.5% p.a. | ≈ doubles at maturity | Calculate |
| SCSS | 8.2% p.a. | 5 years (extendable) | Calculate |
| MIS | 7.4% p.a. | 5 years | Calculate |
| RD | 7.5% p.a. | 5 years | Calculate |
| TD (1 yr) | 6.9% p.a. | 1 year | Calculate |
| TD (2 yr) | 7% p.a. | 2 years | Calculate |
| TD (3 yr) | 7.1% p.a. | 3 years | Calculate |
| TD (5 yr) | 7.5% p.a. | 5 years | Calculate |
| Savings account | 4% p.a. | Flexible | Calculate |
Scheme comparison — PPF vs SSY vs NSC vs MIS vs SCSS
Quick comparison for planning. Rules and limits can vary — confirm at your post office.
| Feature | PPF | SSY | NSC | MIS | SCSS |
|---|---|---|---|---|---|
| Interest rate (indicative) | 7.1% | 8.2% | 7.7% | 7.4% | 8.2% |
| Typical tenure | 15 years | 21 years | 5 years | 5 years | 5 years |
| Section 80C benefit | Yes | Yes | Yes | No | No |
| Regular payout | No (lump sum) | No (lump sum) | No (at maturity) | Monthly | Quarterly |
| Annual deposit/investment limit | ₹1.5 lakh/year | ₹1.5 lakh/year | No cap | ₹9L single / ₹15L joint | ₹30 lakh total |
| Interest tax | Tax-free | Tax-free | Taxable (5th yr) | Taxable | Taxable |
| Best for | Long-term tax-free corpus | Girl child education/marriage | 5-yr 80C lump sum | Monthly income | Senior citizens |
Choose by your goal
Tax saving (Section 80C)
Government-backed options with deduction up to ₹1.5 lakh under Section 80C.
Child & girl child
Long-horizon schemes for education and marriage planning.
Senior citizens & monthly income
Regular payout schemes for retirees who need steady cash flow.
Lump sum growth
Fixed-tenure certificates when you have a one-time amount to invest.
Monthly saving habit
Disciplined monthly deposits with post office safety.
All post office calculators
How to use this hub
Which post office scheme should I choose?
Pick based on your goal, not just the highest rate. PPF and SSY suit long-term tax-free wealth. NSC fits 5-year 80C lump sums. MIS and SCSS pay regular income for retirees. RD helps monthly savers. Use the comparison table below before opening an account.
Are post office rates fixed forever?
No. India Post revises small savings interest rates quarterly. Rates shown here are indicative for Q1 FY 2025-26. Always confirm on indiapost.gov.in before investing.
Post office vs bank FD
Post office schemes are sovereign-backed and popular in smaller towns. Bank FDs may offer similar rates with different liquidity. Compare tenure, tax treatment, and premature withdrawal rules for your specific need.