Post Office Interest & Maturity Calculators (All Available Schemes)

1. Post Office Savings Account (SB)

Average Balance / Principal Amount (₹)

Estimated Annual Interest Yield

₹0

Calculation Working Logic: Computed dynamically on the minimum balance maintained between the 10th and the end of the month:

$$\text{Annual Interest} = \frac{\text{Principal} \times \text{Rate}}{100}$$

2. National Savings Recurring Deposit (RD)

Monthly Installment Amount (₹)

Maturity Value (5 Years)

₹0

Calculation Working Logic: Compounded quarterly using standard periodic layout matrices:

$$\text{Maturity Sum} = P \times \frac{(1 + r)^n - 1}{1 - (1 + r)^{-1/3}}$$

3. Post Office Time Deposit (TD / FD)

Deposit Principal (₹)

Select Tenure Term

Current Rate

6.9%

Earned Interest: ₹0

Maturity Value: ₹0

Calculation Working Logic: Interest compounded quarterly but payable annually:

$$\text{Maturity Sum} = \text{Principal} \times \left(1 + \frac{\text{Rate}}{400}\right)^{4 \times \text{Years}}$$

4. Post Office Monthly Income Scheme (MIS)

Deposit Principal Amount (₹)

Monthly Interest Payout

₹0

Calculation Working Logic: Yield allocated evenly on monthly iterations across 5 years:

$$\text{Monthly Interest} = \frac{\text{Principal} \times \text{Rate}}{12 \times 100}$$

5. Senior Citizen Savings Scheme (SCSS)

Deposit Investment Principal (₹)

Quarterly Interest Return

₹0

Calculation Working Logic: Paid quarterly on scheduled operational fiscal release days:

$$\text{Quarterly Interest} = \frac{\text{Principal} \times \text{Rate} \times 3}{12 \times 100}$$

6. Public Provident Fund (PPF)

Annual Investment Contribution (₹)

Maturity Value (15 Years)

₹0

Calculation Working Logic: Compounded annually, calculated based on the lowest balance between the 5th and end of each month:

$$\text{Maturity Corpus} = F \times \frac{(1 + r)^t - 1}{r}$$

7. National Savings Certificate (NSC)

Certificate Purchase Principal (₹)

Maturity Value (5 Years)

₹0

Calculation Working Logic: Compounded annually but distributed strictly at completion matrix endpoints:

$$\text{NSC Maturity} = \text{Principal} \times \left(1 + \frac{\text{Rate}}{100}\right)^{5}$$

8. Kisan Vikas Patra (KVP)

Investment Capital Sum (₹)

Guaranteed Doubled Maturity Value

₹0

Calculation Working Logic: Doubles your principal based on prevailing interest rate equations:

$$\text{Maturity Payout} = \text{Principal} \times 2$$

9. Mahila Samman Savings Certificate (MSSC)

Deposit Principal Amount (₹)

Maturity Value (2 Years)

₹0

Calculation Working Logic: Compounded quarterly for a fixed 2-year tenure framework:

$$\text{Maturity Return} = \text{Principal} \times \left(1 + \frac{\text{Rate}}{400}\right)^{8}$$

Official India Post Scheme Parameter Matrices

Scheme Category Name	Interest Rate (p.a.)	Maturity Period	Minimum Investment	Maximum Investment Ceiling
Savings Account (SB)	4.0%	Ongoing	₹500	No Upper Ceiling Cap
Recurring Deposit (5-Yr RD)	6.7%	5 Years (60 Months)	₹100 per month	No Upper Ceiling Cap
Time Deposit (1/2/3/5-Yr TD)	6.9%, 7.0%, 7.1%, 7.5%	1, 2, 3, or 5 Years	₹1,000	No Upper Ceiling Cap
Monthly Income Scheme (MIS)	7.4%	5 Years	₹1,000	₹9 Lakh (Single) / ₹15 Lakh (Joint)
Senior Citizen Scheme (SCSS)	8.2%	5 Years	₹1,000	₹30 Lakh Maximum Aggregate
Public Provident Fund (PPF)	7.1%	15 Financial Years	₹500 per year	₹1.5 Lakh per Financial Year
National Savings Cert. (NSC)	7.7%	5 Years	₹1,000	No Upper Ceiling Cap
Kisan Vikas Patra (KVP)	7.5%	9 Yrs & 7 Months (Doubles)	₹1,000	No Upper Ceiling Cap
Mahila Samman Cert. (MSSC)	7.5%	2 Years	₹1,000	₹2 Lakh Maximum Threshold

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