Govt. Scheme Calculators

Fourteen: the Post Office Savings Account, Recurring Deposit, Time Deposit and Monthly Income Scheme; PPF, Sukanya Samriddhi, NSC and Kisan Vikas Patra; and EPF, NPS, Atal Pension Yojana, PM-SYM, PM-KMY and the Senior Citizens’ Savings Scheme. Each is selected from the strip at the top of the page.

POMIS is a five-year small-savings scheme. You deposit a lump sum, receive interest every month, and get the deposit back at maturity. The monthly payout is calculated as deposit multiplied by the annual rate divided by twelve.

The default is 7.4% a year, the rate shown for the scheme for the current reference period. Small-savings rates are revised quarterly by the government, so the current rate should be confirmed with India Post before any figure here is relied on.

It pays 4% a year, calculated on the lowest balance between the 10th and the last day of each month and credited once a year. The calculator assumes an unchanged balance, which is the highest figure the rules allow; a dip within that window removes that month’s interest. The first Rs 3,500 of interest on a single account, or Rs 7,000 on a joint account, is exempt under section 10(15)(i), separately from 80TTA or 80TTB.

Deposits are taken at the start of each month and compounded quarterly at the notified rate; the quarterly rate is converted to its monthly equivalent so each instalment earns from the month it is paid. The five-year account can be extended for another five. Missed instalments carry a rebate charge and are not modelled here.

A Time Deposit takes one lump sum for a fixed term of one, two, three or five years; a Recurring Deposit takes a fixed amount every month for five. Each TD term has its own notified rate, so changing the tenure in the calculator moves the rate with it. Only the five-year TD qualifies for a deduction under 80C.

Atal Pension Yojana is a government-backed pension scheme for eligible subscribers who join between ages 18 and 40. You contribute until age 60 and receive a guaranteed minimum monthly pension of Rs 1,000 to Rs 5,000, depending on the option selected.

This calculator uses the official APY contribution table: the amount depends on your entry age and chosen pension. Contributions are payable monthly, quarterly or half-yearly; the monthly figure shown here is the official table amount.

The spouse is generally entitled to the same pension after the subscriber dies. After both subscriber and spouse die, the indicated corpus is payable to the nominee. Eligibility and withdrawal rules apply; check PFRDA guidance before relying on a result.

The estimate adds the annual deposit at the beginning of each financial year and compounds the balance annually. SSY takes deposits for fifteen years and matures twenty-one years after opening; the child’s age at opening sets her age at maturity. PPF uses the selected tenure. Rates and deposit timing can change the actual value.

It includes your current EPF balance, the employee contribution and the employer EPF share, with interest worked out monthly on the running balance and credited once a year, as EPFO does, until the selected retirement age. The basic salary rises each year by the increment you set, and setting that to zero holds it flat. The employer EPS diversion is capped at the statutory wage ceiling, is shown separately, and is not part of the EPF corpus.

It uses Rs 25,000. The Union Cabinet approved raising the ceiling from Rs 15,000 on 16 September 2026, announced as effective from 17 September 2026, which lifts the monthly EPS diversion from Rs 1,250 to Rs 2,082.50 and brings the Rs 15,000 to Rs 25,000 wage band into mandatory EPF, EPS and EDLI cover. As at 18 September 2026 the gazette notification and the EPS amendment had not yet been issued, so this figure follows the announced decision rather than a notification. Note which way it moves the figures: the employer still pays 12%, but more of it now goes to the pension, so for a basic above Rs 15,000 the EPF corpus shown here is SMALLER than under the old ceiling while the pension it buys is larger. The two move in opposite directions.

No. NPS is market-linked. Enter current age and expected annual return; the calculator contributes until age 60 and shows a split between annuity purchase and lump sum, with the monthly pension following the annuity rate you set. Actual returns, annuity rates and rules may differ.

It compounds a one-time investment annually for the five-year NSC term at the selected rate. The rate is locked on the day of purchase, so a later revision does not affect a certificate already bought. Interest is reinvested during the term, subject to current tax rules.

KVP is notified as a doubling period rather than a fixed term: at the current 7.5% it takes 115 months, which is exactly what annual compounding gives. Change the rate in the calculator and the tenure moves instead of the payout, because the payout is always double. KVP gets no 80C deduction and its interest is taxed at your slab.

Both pay an assured Rs 3,000 a month from age 60 and use the same age-wise contribution table, with the central government matching your contribution rupee for rupee. They differ only in who may enrol: PM-SYM covers unorganised-sector workers earning up to Rs 15,000 a month, PM-KMY covers small and marginal farmers with up to two hectares. Neither is open to anyone in EPFO, ESIC or NPS, or paying income tax.

It states what the same contributions, over the same period, would come to at an assumed market return, because the two are otherwise difficult to place side by side. It is shown only where the two figures differ by more than 10% after tax; below that the difference is smaller than the uncertainty in the assumption itself. It is a comparison, not a recommendation, and neither figure is a suggestion to move money. It also never appears for PM-SYM or PM-KMY, which pay a defined pension rather than accumulating a balance, so there is no comparable total to place beside them.

No part of it is guaranteed. The assumption steps down as the horizon shortens: 12% a year beyond five years, 9% for two to five years, and 6% under two. These are the same figures the loan calculator uses and they are this tool’s own assumptions, not a rate anyone has quoted. A real fund can fall in any year and the outcome may land well above or well below the figure shown. A government scheme differs in kind: the rate is notified by the government and backed by it, so barring a revision of that rate, the scheme figure is what the scheme pays.

The fund pays long-term capital gains at 12.5% plus cess on its gain, with the Rs 1.25 lakh annual exemption counted once at the end. The scheme pays your income tax slab plus cess on whatever part of its return is taxable: nothing for PPF, SSY and EPF, all of the interest for RD, TD, MIS, NSC and KVP, and the interest above the Rs 50,000 section 80TTB allowance for SCSS. Set your slab at the top of the page — it changes which schemes the comparison appears for at all.

Four things, all of them small but worth knowing: it does not stage a redemption across financial years to use the capital gains exemption more than once, does not apply 80C relief to NSC’s reinvested interest, does not count 80TTA or 80TTB against deposits other than SCSS, and charges the scheme’s tax as one deduction at maturity rather than year by year as it actually accrues. That last one flatters the scheme by roughly one percent on a five-year deposit at the top slab.

Every notified figure here was last checked on 18 September 2026, and the small-savings rates are those notified for July–September 2026. Small-savings rates are revised quarterly by the Finance Ministry, the EPF rate is declared annually by the EPFO, and there is no public feed for either, so both are updated by hand. The date is shown beside every result. If a notification has landed since, the rate slider on each scheme can be moved to it.

No. These calculators state what a scheme’s own rules produce for the numbers you enter, alongside its term, limits and tax treatment. Nothing here ranks the schemes, recommends one, or suggests opening, holding or closing an account, and no figure is a quotation or a guarantee. Eligibility, deposit limits, penalties and tax rules change; confirm them with the scheme’s own authority, and take advice from a registered adviser before acting.

Penalties and charges for premature closure, missed instalments or early encashment; TDS on interest as it is deducted; surcharge, and every part of your tax return other than the slab you select. Each scheme states the specific assumption behind its own figure beside the result.

SCSS interest is calculated on the deposit and paid quarterly; the principal is never drawn down and comes back at maturity. The term is five years, extendable once by three, which is why the calculator offers five or eight. Figures are shown before tax — interest above the 80TTB limit is taxable and TDS applies.