Which post office schemes can I calculate?

Finkoin covers POSA, Time Deposit, RD, NSC, KVP, MIS, SCSS and Sukanya Samriddhi with dedicated maturity or income calculators.

Are the interest rates up to date?

Defaults use MoF/DoP notified rates for Jul–Sep 2026. Always confirm the live circular before investing - rates can change quarterly.

Are Post Office schemes safe?

Yes. They are small savings schemes backed by the Government of India, so your deposit and interest are guaranteed.

Post Office Calculator India

The Post Office schemes calculator puts every India Post small savings scheme in one place. Pick a scheme to see its notified rate and work out maturity value or regular income.

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How the Post Office Calculator India works

It covers the Savings Account, Time Deposit, Recurring Deposit, NSC, KVP, MIS, SCSS and Sukanya Samriddhi. The government sets small savings rates every quarter. This guide uses the rates the calculator uses, notified for Jul–Sep 2026.

The schemes differ in how they pay you. TD, NSC, KVP and SSY pay everything at maturity. MIS pays interest every month and SCSS every quarter.

Each scheme also has its own calculator page with more detail. Always confirm the live rate and eligibility at India Post before investing.

Worked example: ₹1,00,000 for about five years in four schemes

A 5-year Time Deposit at 7.5%, compounded quarterly, matures at ₹1,44,995.
NSC at 7.7%, compounded yearly, matures at ₹1,44,903 after 5 years.
KVP at 7.5% doubles to ₹2,00,000, but takes 115 months, about 9.6 years.
MIS at 7.4% pays ₹37,000 as monthly interest over 5 years, and returns the ₹1,00,000 at the end.

Post Office scheme rates for Jul–Sep 2026
Scheme	Rate	Tenure	How it pays
Savings Account	4%	No lock-in	Interest on balance
Time Deposit	6.9% to 7.5%	1, 2, 3 or 5 years	At maturity
Recurring Deposit	6.7%	5 years	At maturity
NSC	7.7%	5 years	At maturity
Kisan Vikas Patra	7.5%	115 months	Doubles at maturity
Monthly Income Scheme	7.4%	5 years	Monthly
SCSS	8.2%	5 years, extendable	Quarterly
Sukanya Samriddhi	8.2%	21 years from opening	At maturity

Illustrative, assuming a constant rate. Actual returns and rates vary.

Tips

Use MIS or SCSS when you need a regular income, and TD, NSC or KVP when you want a lump sum later.
Compare a 5-year TD and NSC side by side; both can count toward Section 80C within the ₹1.5 lakh cap when eligible.
Interest from most of these schemes is taxable. Sukanya Samriddhi is the exception, as it is EEE under current rules.
PPF is also offered at post offices; use the PPF calculator for it.

Want to know if your whole plan is on track? Get your free money score in about two minutes. No PAN, no Aadhaar.

About the Post Office Calculator India

Free Post Office scheme calculators: Savings Account, Time Deposit, Recurring Deposit, Monthly Income Scheme, Senior Citizen Savings and Sukanya.

Frequently asked questions

Which post office schemes can I calculate?: Finkoin covers POSA, Time Deposit, RD, NSC, KVP, MIS, SCSS and Sukanya Samriddhi with dedicated maturity or income calculators.
Are the interest rates up to date?: Defaults use MoF/DoP notified rates for Jul–Sep 2026. Always confirm the live circular before investing - rates can change quarterly.
Are Post Office schemes safe?: Yes. They are small savings schemes backed by the Government of India, so your deposit and interest are guaranteed.

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