Government & Post Office
PPF, NPS, EPF, NSC, Sukanya Samriddhi — guaranteed-return schemes with the latest quarterly rates.
PPF, EPF, NPS, Sukanya Samriddhi, Senior Citizen Savings, post-office schemes and more — all at their latest notified rates (as of October 2026). These sovereign-backed schemes carry near-zero credit risk, but rates are reset quarterly and most interest is taxable. Use these calculators to compare maturity values, tax treatment and liquidity before locking money in.
NPS Calculator (National Pension System)
Project your NPS Tier-1 corpus at 60, the tax-free lumpsum and estimated monthly pension from the annuity.
Calculate →PPF Calculator (Public Provident Fund)
15-year tax-free PPF maturity at the current 7.1% rate, with yearly balance schedule.
Calculate →EPF Calculator (Employees' Provident Fund)
Employee + employer EPF accumulation with optional VPF at the current 8.25% rate.
Calculate →NSC Calculator (National Savings Certificate)
5-year NSC maturity at 7.7% compounded half-yearly, with 80C tax-saving illustration.
Calculate →Sukanya Samriddhi Yojana Calculator
SSY growth to maturity (year 21) at the current 8.2% rate, with 15-year contribution window.
Calculate →Kisan Vikas Patra (KVP) Calculator
KVP maturity — money doubles in 115 months at 7.5% p.a. (current rate).
Calculate →Post Office Monthly Income Scheme (POMIS) Calculator
POMIS monthly payout, annual income and 5-year total interest at 7.4% p.a.
Calculate →Senior Citizen Savings Scheme (SCSS) Calculator
SCSS quarterly payout at 8.2% p.a., 5-year tenure, ₹30 lakh deposit cap.
Calculate →Mahila Samman Savings Certificate Calculator
MSSC maturity after 2 years, ₹2 lakh per-account cap, quarterly compounding.
Calculate →PM Vaya Vandana Yojana (PMVVY) Calculator
PMVVY monthly pension from purchase price at the assured return rate, ₹15L cap.
Calculate →Post Office Time Deposit (TD) Calculator
Post Office TD maturity with quarterly compounding; 5-year TD qualifies for 80C.
Calculate →Voluntary Provident Fund (VPF) Calculator
VPF corpus at retirement from an extra % of basic, at the EPF 8.25% rate.
Calculate →Sovereign Gold Bond (SGB) Calculator
SGB returns — 2.5% annual interest plus gold appreciation; tax-free at 8-yr maturity.
Calculate →Atal Pension Yojana (APY) Calculator
Approx monthly APY contribution for a guaranteed ₹1,000–₹5,000 pension at 60.
Calculate →EPS Pension Calculator (Employee Pension Scheme)
EPS monthly pension at 58 = pensionable salary × service ÷ 70 (₹15k cap).
Calculate →UPS vs NPS Pension Comparison Calculator
Simplified comparison of UPS assured pension vs market-linked NPS corpus.
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