Post Office Savings Calculator — Compare All Government Schemes
Calculate returns on Post Office savings schemes including NSC KVP SCSS MIS and Time Deposits. Compare interest rates and tax benefits across all schemes.
India Post Office offers some of the safest investment options backed by the Government of India. These schemes provide guaranteed returns typically higher than bank FDs with some offering excellent tax benefits. The post office network with over 155000 branches makes these schemes accessible even in remote rural areas. From monthly income plans to long-term wealth builders post office schemes serve every savings need.
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Key Information
| Parameter | Details |
|---|---|
| National Savings Certificate (NSC) | 7.7% compounded annually (2026) |
| Kisan Vikas Patra (KVP) | 7.5% (doubles in 115 months) |
| Senior Citizens Savings Scheme | 8.2% per year (quarterly payout) |
| Monthly Income Scheme (MIS) | 7.4% per year (monthly payout) |
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Use Calculator NowFrequently Asked Questions
Which post office scheme gives highest returns?
Senior Citizens Savings Scheme (SCSS) offers the highest rate at 8.2% with quarterly interest payouts ideal for retirees. For non-seniors National Savings Certificate (NSC) at 7.7% is best for 5-year investment with 80C tax benefit. Sukanya Samriddhi at 8.2% is best for girl child education. KVP at 7.5% is best for guaranteed doubling of money in about 9.5 years.
Is post office FD better than bank FD?
Post office Time Deposits offer 6.9-7.5% (1-5 year terms) compared to major bank FDs at 6.5-7.2%. The 5-year post office TD qualifies for 80C deduction which most bank FDs do not. Both are covered by government guarantee (post office directly and banks via DICGC up to Rs 5 lakh). For tax-saving FD post office is clearly superior.
How to invest Rs 10 lakh in post office schemes?
Diversified approach: Rs 3 lakh in 5-year NSC (80C benefit + 7.7%). Rs 2 lakh in KVP (doubles in 9.5 years). Rs 3 lakh in Post Office Monthly Income Scheme (Rs 1850/month income). Rs 2 lakh in 5-year Time Deposit (80C + 7.5%). This gives you tax benefits steady monthly income and long-term growth all with government guarantee.
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Last updated: 24 March 2026