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Post Office Schemes Calculator

Calculate returns for all Post Office savings schemes including MIS, NSC, KVP, PPF, SSY, SCSS, and Time Deposits. Compare schemes, check eligibility, and choose the best investment option with government-guaranteed returns.

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Select Post Office Scheme

Monthly Income
NSC
KVP
PPF
Sukanya
Senior Citizen
Time Deposit
Savings Account
Monthly income with capital protection
5-year tenure, extendable for 5 more years
Minimum ₹1,500, Maximum ₹45 lakhs (single)
₹
₹5,00,000
Minimum ₹1,500, Maximum ₹45 lakhs (single account) / ₹90 lakhs (joint account)
5 Years
%
7.4%
Monthly Income Scheme (MIS) 7.4% Current
National Savings Certificate (NSC) 7.7%
Kisan Vikas Patra (KVP) 7.5%
₹7,22,370
Estimated Maturity Value for MIS

Investment Results

₹7,22,370
Total Maturity Value
₹5,00,000
Total Investment
₹2,22,370
Total Returns
8.9%
Annualized Return
₹4,625
Monthly Income

Investment Growth Over Time

Growth Chart Visualization
₹1,50,000
Estimated Tax Savings (Section 80C)
Based on your tax slab and investment eligibility
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Yearly Breakdown

YearOpening BalanceAnnual InvestmentInterest EarnedClosing Balance
1₹500,000₹0₹37,000₹500,000
2₹500,000₹0₹37,000₹500,000
3₹500,000₹0₹37,000₹500,000
4₹500,000₹0₹37,000₹500,000
5₹500,000₹0₹37,000₹500,000
Year Opening Balance Annual Investment Interest Earned Closing Balance
1 ₹0 ₹5,00,000 ₹37,000 ₹5,37,000
2 ₹5,37,000 ₹0 ₹39,738 ₹5,76,738
5 ₹6,72,370 ₹0 ₹49,755 ₹7,22,125

Compare All Post Office Schemes

Scheme Interest Rate Tenure Minimum Investment Maximum Investment Tax Benefits Best For
Monthly Income Scheme (MIS) 7.4% 5 years ₹1,500 ₹45 lakhs (single) No Regular monthly income
National Savings Certificate (NSC) 7.7% 5 years ₹100 No limit Yes (80C) Safe long-term savings
Public Provident Fund (PPF) 7.1% 15 years ₹500 ₹1.5 lakhs/year Yes (80C) Retirement planning
Sukanya Samriddhi Yojana (SSY) 8.2% 21 years ₹250 ₹1.5 lakhs/year Yes (80C) Girl child education
Senior Citizen Savings (SCSS) 8.2% 5 years ₹1,000 ₹30 lakhs Yes (80C) Senior citizens

Important Information About Post Office Schemes

  • All Post Office schemes are backed by the Government of India, making them extremely safe investments
  • Interest rates are reviewed and revised quarterly by the Ministry of Finance
  • Tax benefits are available under Section 80C for specific schemes like PPF, NSC, SSY, and SCSS
  • Premature withdrawal rules vary by scheme and may involve penalties
  • Joint accounts are available for most schemes with specific limits

Government Backed

All investments are guaranteed by the Government of India, ensuring complete safety of your capital.

Competitive Returns

Enjoy attractive interest rates that often beat regular bank fixed deposits and savings accounts.

Tax Benefits

Many schemes offer tax deductions under Section 80C of the Income Tax Act, 1961.

Wide Accessibility

Available at post offices across India, making them accessible to investors in urban and rural areas.

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