Post Office Schemes Calculator
Compare and calculate returns from all major Post Office savings schemes with tax benefits and detailed analysis.
Scheme Selection
Min: ₹1,000
Scheme Details
Interest Rate: 6.8% per annum
Tenure: 5 years
Tax Benefit: Yes (80C)
Safety: Government guaranteed
Investment Results
Maturity Amount
INR 1,38,949
Total Interest
INR 38,949
All citizens • Government Backed Security
Investment Breakdown
Scheme Comparison
Based on ₹1.0L investment
Year-wise Growth Projection
| Year | Total Amount | Interest Earned | Growth |
|---|---|---|---|
| 1 | INR 1,06,800 | INR 6,800 | - |
| 2 | INR 1,14,062 | INR 14,062 | 6.8% |
| 3 | INR 1,21,819 | INR 21,819 | 6.8% |
| 4 | INR 1,30,102 | INR 30,102 | 6.8% |
| 5 | INR 1,38,949 | INR 38,949 | 6.8% |
Complete Scheme Comparison
| Scheme | Rate | Tenure | Maturity Amount | Tax Benefit |
|---|---|---|---|---|
| National Savings Certificate | 6.8% | 5Y | INR 1,38,949 | Yes |
| Kisan Vikas Patra | 7.5% | 9.4Y | INR 2,00,000 | No |
| Post Office Monthly Income Scheme | 7.4% | 5Y | INR 1,37,000 | No |
| Senior Citizens Savings Scheme | 8.2% | 5Y | INR 1,48,298 | No |
| Public Provident Fund | 7.1% | 15Y | INR 27,12,139 | Yes |
| Sukanya Samriddhi Account | 8.2% | 21Y | INR 55,85,841 | Yes |
| Post Office Time Deposit | 6.9% | 5Y | INR 1,39,601 | No |
*Highlighted row shows selected scheme comparison
Download Results
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Explore Safe Government Investment Options
Compare post office schemes like PPF, NSC, and SCSS to choose the best low-risk investment for stable returns and long-term savings.
Government-backed savings schemes are ideal for capital protection and predictable income.
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Understanding Post Office Saving Schemes
Post office saving schemes are government-backed investment options designed to provide stable returns with high capital safety. These schemes are widely trusted by conservative investors, retirees, salaried individuals, and families looking for secure long-term savings solutions.
Popular schemes include Public Provident Fund (PPF), Sukanya Samriddhi Yojana (SSY), National Savings Certificate (NSC), Kisan Vikas Patra (KVP), Post Office Monthly Income Scheme (POMIS), and Recurring Deposits (RD). Each scheme serves different financial goals such as retirement planning, child education, tax saving, and monthly income generation.
Since these investments are backed by the Government of India, they offer lower risk compared to market-linked investments like equities and mutual funds. However, investors should compare returns, liquidity, taxation, and lock-in periods before selecting a scheme.
Benefits of Investing in Post Office Schemes
One of the biggest advantages of post office schemes is guaranteed returns and strong capital protection. These schemes are suitable for investors who prioritize stability and predictable income over aggressive wealth creation.
Many post office investments also provide tax-saving benefits under Section 80C, making them useful for long-term financial planning. Schemes like PPF and SSY are especially popular for retirement and child future planning due to their compounding benefits and tax advantages.
Investors can also use post office schemes to diversify their portfolio alongside mutual funds, fixed deposits, and equity investments. A balanced investment approach helps improve financial security while maintaining stable returns during market volatility.
Smart Strategies for Post Office Investments
Different post office schemes are designed for different financial goals. For example, PPF works well for retirement planning, SSY is ideal for child education planning, while POMIS is suitable for generating stable monthly income. Selecting the right scheme depends on your investment horizon, liquidity needs, and risk tolerance.
Long-term investors can combine government-backed schemes with market-linked investments such as SIPs and index funds to achieve both safety and wealth creation. Conservative investors may allocate a higher portion toward guaranteed-return products for better financial stability.
Always review interest rates, lock-in periods, and tax implications before investing. Diversifying across multiple schemes can help balance liquidity, tax efficiency, and income generation while reducing overall portfolio risk.
Post Office Schemes FAQs
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