Public Provident Fund (PPF): Your Complete Guide to Tax-Free Savings & Growth (2025) | CalcWise Every year, as tax season approaches, the same question echoes in the minds of millions of Indians: “Where can I invest my money to get good returns, save tax, and keep it safe?” It feels like a search for a…
Employees’ Provident Fund (EPF): A Complete Guide to Your Retirement Savings (2025) | CalcWise For millions of salaried employees across India, it’s a familiar line item on the monthly payslip: “EPF Contribution.” We see a portion of our hard-earned money deducted every month and know it’s for our future. But do we truly understand the…
Kisan Vikas Patra (KVP): Complete Guide to Doubling Your Money | CalcWise “Beta, put this money somewhere safe where it will grow. No risks, no market tension—just something guaranteed.” This is what my aunt told me last month when she received ₹5 lakhs from selling her ancestral gold. She’s 58, retired, and wants certainty, not…
Post Office Monthly Income Scheme (POMIS): Complete Guide to Guaranteed Income | CalcWise “Now that I’ve retired, my salary has stopped, but my expenses haven’t,” my uncle told me last month. He’s 62, just retired from a government job, and has ₹10 lakhs in his provident fund. His concern was simple: “I need some regular…
National Savings Certificate (NSC): Complete Guide to Tax-Saving Investment | CalcWise Every March, my friend Anil scrambles to save tax. Last year, he rushed to buy a life insurance policy just for Section 80C deduction, got locked into a high-premium plan he didn’t really need, and later regretted it. “There must be a simpler option,”…
Sukanya Samriddhi Yojana (SSY): Complete Guide to Saving for Girl Child | CalcWise When my daughter Aaradhya was born three years ago, my father-in-law handed me a small envelope. Inside was a passbook with ₹10,000 deposited in Sukanya Samriddhi Yojana. “This is for her college and wedding,” he said. “Start adding every year. By the…
PMVVY: Complete Guide to Assured Pension for Senior Citizens | CalcWise Last month, I met Mr. Kapoor, a 68-year-old retired banker. “My retirement corpus is in fixed deposits,” he told me, “but the bank keeps reducing rates. Last year I was getting 7.5%, now it’s dropped to 6.8%. My monthly interest income has reduced by…
Senior Citizen Savings Scheme (SCSS): Complete Retirement Guide | CalcWise Three months after his retirement party, my uncle sat across from me looking worried. “I have ₹25 lakhs from my provident fund,” he said. “Everyone’s telling me different things—put it in mutual funds, buy gold, invest in property. But honestly, I just want regular income…
NPS (National Pension System) Complete Guide 2025 – Extra ₹50,000 Tax Benefit | CalcWise National Pension System: Get Extra ₹50,000 Tax Benefit for Smart Retirement Planning Did you know? NPS gives you an extra ₹50,000 tax deduction every year – something no other investment option offers. This is under Section 80CCD(1B), separate from the ₹1.5…
When it comes to planning for retirement in India, there are several trusted options like the Employees’ Provident Fund (EPF) and the Public Provident Fund (PPF). However, there is one government-backed scheme specifically engineered for modern retirement planning that offers a unique combination of market-linked returns, flexibility, and an exclusive tax benefit: the **National Pension…
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