Post Office Savings Calculator — Compare All Government Schemes — India 2026
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.
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.
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Understanding Your Investment Returns
This calculator projects your returns using compound interest, where your earnings generate their own earnings over time. The power of compounding means that even small regular investments can grow into substantial wealth over long periods. For example, investing just Rs 5,000 per month at 12% expected returns for 25 years can grow to over Rs 1 crore — of which only Rs 15 lakh is your own money and Rs 85 lakh is compounding returns. The key factors that determine your final corpus are: the amount invested, the rate of return, the duration of investment, and the frequency of compounding.
Important Considerations
Past returns do not guarantee future performance, especially for market-linked instruments like mutual funds and equities. The returns shown are estimates based on the rate you enter. Equity investments carry market risk but have historically delivered 12-15% CAGR over 15+ year periods in India. Fixed income options like PPF (7.1%) and FD (6-7.5%) offer lower but more predictable returns. Diversifying across asset classes — equity, debt, gold, and real estate — reduces overall portfolio risk while optimizing returns for your risk tolerance.
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.
What is compound interest and why does it matter?
Compound interest means you earn interest on your interest, not just your principal. Over long periods, this creates exponential growth — even small regular investments can grow into substantial wealth over 15-25 years.
Is SIP better than lumpsum investment?
SIP invests a fixed amount monthly, averaging out market volatility through rupee cost averaging. Lumpsum works better when markets are low. For most investors, SIP builds discipline and removes the need to time the market.
How much should I invest monthly to become a crorepati?
At 12% expected returns, a monthly SIP of Rs 5,000 for 30 years grows to approximately Rs 1.76 crore. Increasing your SIP by 10% annually makes the corpus even larger. Start early, stay consistent.
Are investment returns taxable?
PPF returns are tax-free. Equity mutual fund LTCG above Rs 1.25 lakh/year is taxed at 12.5%. FD interest is taxed at your slab rate. NPS offers an additional Rs 50,000 deduction under 80CCD(1B).
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Last updated: March 2026