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Post Office Interest & Maturity Calculators

Rates: Q4 FY 2024-25

Select Postal Scheme:

1. Post Office Savings Account (SB)

4.0% p.a.

Average Deposit / Principal Balance (₹)

Presets:

Estimated Annual Interest Yield

₹0

Principal₹1,00,000

Rate4.0%

Total / Yr₹1,04,000

Working Rule: Computed dynamically on the minimum balance maintained between the 10th and the end of the month at 4.0% p.a.:

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

2. National Savings Recurring Deposit (5-Yr RD)

6.7% p.a.

Monthly Installment Amount (₹)

Presets:

Maturity Value (5 Years / 60 Mos)

₹0

Deposited₹3,00,000

Interest₹54,956

Rate (Qtrly)6.7%

Working Rule: 60 Monthly installments compounded quarterly at 6.7% p.a.:

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

3. Post Office Time Deposit (TD / FD)

6.9% p.a.

Deposit Principal (₹)

Tenure

Presets:

Total Maturity Sum

₹0

Principal₹1,00,000

Interest₹0

Rate6.9%

Working Rule: Interest compounded quarterly and 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)

7.4% p.a.

Deposit Principal Amount (₹)

Presets:

Guaranteed Monthly Payout

₹0

Principal₹1,00,000

Total 5-Yr Payout₹37,000

Rate7.4%

Working Rule: Monthly credit directly to POSB account for 5 years at 7.4% p.a.:

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

5. Senior Citizen Savings Scheme (SCSS)

8.2% p.a.

Deposit Investment Principal (₹)

Presets:

Quarterly Interest Return

₹0

Principal₹1,00,000

Annual Return₹8,200

Rate8.2%

Working Rule: Paid quarterly on scheduled 1st operational day of April, July, Oct & Jan at 8.2% p.a.:

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

6. Public Provident Fund (PPF - 15 Years)

7.1% p.a.

Annual Investment Contribution (₹)

Presets:

Maturity Corpus (15 Years)

₹0

Total Deposit₹22,50,000

Interest Earned₹18,18,209

Tax StatusEEE (Exempt)

Working Rule: 15 Annual contributions compounded annually at 7.1% with EEE tax exemption:

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

7. National Savings Certificate (NSC - 5 Years)

7.7% p.a.

Certificate Purchase Principal (₹)

Presets:

Maturity Value (5 Years)

₹0

Principal₹1,00,000

Total Interest₹44,903

Rate7.7%

Working Rule: Compounded annually at 7.7%, payable at the end of 5 years:

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

8. Kisan Vikas Patra (KVP — Doubles Money)

7.5% p.a.

Investment Capital Sum (₹)

Presets:

Guaranteed 2x Doubled Value

₹0

Principal₹1,00,000

Maturity Period115 Mos

Rate7.5%

Working Rule: Doubles your principal in exactly 115 months (9 years 7 months) at 7.5% p.a.:

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

9. Mahila Samman Savings Certificate (MSSC)

7.5% p.a.

Deposit Principal Amount (₹)

Presets:

Maturity Value (2 Years)

₹0

Principal₹2,00,000

Interest Earned₹32,044

Rate7.5%

Working Rule: 2-Year tenure compounded quarterly at 7.5% p.a.:

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

Official India Post Scheme Parameter Matrices

Tap any scheme for complete rules & forms

Scheme Category Name	Current Rate (p.a.)	Maturity Period	Min / Max Limit
Savings Account (SB)	4.0%	Ongoing / Demand	₹500 / No Limit
Recurring Deposit (5-Yr RD)	6.7%	5 Years (60 Months)	₹100/mo / No Limit
Time Deposit (1/2/3/5-Yr TD)	6.9% - 7.5%	1, 2, 3, or 5 Years	₹1,000 / No Limit
Monthly Income Scheme (MIS)	7.4%	5 Years	₹1,000 / ₹9L (Single), ₹15L (Joint)
Senior Citizen Scheme (SCSS)	8.2%	5 Years	₹1,000 / ₹30 Lakh Max
Public Provident Fund (PPF)	7.1%	15 Financial Years	₹500 / ₹1.5 Lakh per FY
National Savings Cert. (NSC)	7.7%	5 Years	₹1,000 / No Limit
Kisan Vikas Patra (KVP)	7.5%	115 Months (Doubles)	₹1,000 / No Limit
Mahila Samman Cert. (MSSC)	7.5%	2 Years	₹1,000 / ₹2 Lakh Max

Savings Account (SB)

4.0%

Ongoing View Rules →

Recurring Deposit (5-Yr RD)

6.7%

5 Years View Rules →

Time Deposit (TD/FD)

6.9% - 7.5%

1 - 5 Years View Rules →

Monthly Income (MIS)

7.4%

5 Years View Rules →

Senior Citizen (SCSS)

8.2%

5 Years View Rules →

Public Provident Fund (PPF)

7.1%

15 Years View Rules →

National Savings (NSC)

7.7%

5 Years View Rules →

Kisan Vikas Patra (KVP)

7.5%

115 Months View Rules →

Mahila Samman (MSSC)

7.5%

2 Years View Rules →

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7. Departmental Forms Download Center

Official downloadable PDF forms for Savings Schemes, PLI/RPLI, Delivery and Personnel Administration.

Form Code	Official Form Title & Purpose	Classification	Download
POSB-11	Draft created on June 1, 2026 at 5:27 pm	savings

POSB-11 savings

The Ultimate Departmental Employee Hub

Post Office Interest & Maturity Calculators

1. Post Office Savings Account (SB)

2. National Savings Recurring Deposit (5-Yr RD)

3. Post Office Time Deposit (TD / FD)

4. Post Office Monthly Income Scheme (MIS)

5. Senior Citizen Savings Scheme (SCSS)

6. Public Provident Fund (PPF - 15 Years)

7. National Savings Certificate (NSC - 5 Years)

8. Kisan Vikas Patra (KVP — Doubles Money)

9. Mahila Samman Savings Certificate (MSSC)

Official India Post Scheme Parameter Matrices

Savings Account (SB)

Recurring Deposit (5-Yr RD)

Time Deposit (TD/FD)

Monthly Income (MIS)

Senior Citizen (SCSS)

Public Provident Fund (PPF)

National Savings (NSC)

Kisan Vikas Patra (KVP)

Mahila Samman (MSSC)

5. Departmental Exam Mock Test Training Pools (LDCE)

GDS to MTS

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Official Departmental Android App Store

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APT TOTP App

Aadhar ECMP OTA Client 3.3.4.2/215-2

7. Departmental Forms Download Center

Draft created on June 1, 2026 at 5:27 pm

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