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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 row 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