Government Schemes

Indian government savings and investment schemes calculators

7 tools available

Explore free calculators and guides for India's most important government savings and pension schemes. Get instant calculations for PPF, Sukanya Samriddhi, NSC, APY, SCSS, and more — all updated for current interest rates.

PPF Calculator

Calculate Public Provident Fund (PPF) maturity amount with year-wise breakdown

NSC Calculator

Calculate National Savings Certificate maturity and interest

Post Office Time Deposit

Calculate maturity for Post Office Time Deposit Account

Kisan Vikas Patra

Calculate when your Kisan Vikas Patra investment will double

Senior Citizen Savings Scheme

Calculate SCSS interest and maturity for senior citizens

Sukanya Samriddhi Account

Calculate Sukanya Samriddhi Yojana (SSY) returns for your daughter

Atal Pension Yojana

Calculate Atal Pension Yojana monthly contribution amount

Government Savings Scheme Calculators for India

India's post office and government-backed savings schemes offer some of the safest and most tax-efficient investment options available. Understanding the returns, lock-in periods, and eligibility conditions of each scheme is essential before investing. Our calculators make this easy.

PPF Calculator

The Public Provident Fund (PPF) is one of India's oldest and most trusted long-term savings instruments. With a 15-year lock-in period, tax-free interest, and Section 80C deduction on contributions, it is a cornerstone of most Indian middle-class financial plans. Our PPF Calculator shows your year-wise balance, cumulative interest earned, and maturity value based on your annual contribution and the current PPF interest rate.

Sukanya Samriddhi Account Calculator

The Sukanya Samriddhi Yojana (SSY) is a government scheme designed to encourage saving for a girl child's education and marriage. Contributions earn a higher interest rate than PPF, are tax-deductible under Section 80C, and the maturity proceeds are fully tax-free. The calculator shows the projected maturity amount based on your annual deposit.

NSC, SCSS, and KVP

The National Savings Certificate (NSC) is a 5-year fixed-income instrument available at post offices, offering guaranteed returns. The Senior Citizen Savings Scheme (SCSS) offers one of the highest interest rates for Indians aged 60+, paid quarterly. The Kisan Vikas Patra (KVP) doubles your investment at a fixed tenure. Our calculators for each of these tools show maturity value, interest earned, and effective yield.

Atal Pension Yojana

The Atal Pension Yojana (APY) is a pension scheme for the unorganised sector. Based on your age and chosen pension amount (₹1,000–₹5,000/month), the calculator shows your required monthly contribution.

All interest rates used are the latest officially declared rates. These tools are for informational purposes — always verify with the official India Post or government portal before investing.