Government scheme calculators

Small savings schemes, backed by sovereign guarantee. · 5 free calculators · Updated 6 August 2026

PPF, NSC, SSY, SCSS, KVP and APY are administered by the Government of India, with rates reviewed every quarter by the Ministry of Finance. They will rarely beat equity over twenty years, but they carry sovereign backing and, in several cases, valuable tax treatment — PPF and SSY are exempt-exempt-exempt.

Because rates are reset quarterly, our calculators hold your chosen rate constant for the whole term. Treat the maturity value as an illustration and confirm the current rate on the India Post or NSI website before committing.

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