Government Schemes Calculators
20+ Official Indian Government schemes calculators
Government scheme calculators compute maturity values for India Post, EPFO, and central government-backed schemes — PPF (7.1% p.a., EEE), SSY (8.2% p.a.), SCSS (8.2% p.a.), NPS (market-linked pension), PLI/RPLI (postal insurance), KVP, NSC, and APY. These schemes offer guaranteed or regulated returns with government backing, forming the foundation of conservative financial planning in India.
📊 Government Schemes — Key Data
- Ministry of Finance Q1 FY 2025-26: Small savings rates: PPF 7.1%, SSY 8.2%, SCSS 8.2%, NSC 7.7%, Post Office MIS 7.4%, KVP 7.5%.
- India Post Annual Report 2024-25: Active PLI + RPLI policies: 3.65 crore. Total PLI fund corpus: ₹1.35 lakh crore+. PLI gross premium: ₹9,200 crore.
- PFRDA March 2025: NPS total AUM: ₹13.7 lakh crore. Average NPS equity CAGR since inception: 14.5%.
- Ministry of Finance 2025: Total PPF accounts: 10.5 crore. SSY accounts: 3.3 crore. Total small savings corpus: ₹23+ lakh crore.
India’s government-backed savings schemes are among the safest and most tax-efficient products available. PPF has delivered EEE tax treatment for 60+ years. SSY at 8.2% p.a. beats most bank FDs post-tax. SCSS gives senior citizens a guaranteed 8.2% quarterly payout. NPS has delivered 14.5% equity CAGR since 2009, with enhanced tax benefits under Budget 2025. PLI and RPLI offer bonus rates (₹65–85/₹1,000 SA/year) no private insurer matches. These calculators use exact current rates and compounding rules for each scheme.
Post Office & Small Savings Schemes
Public Provident Fund – 15 year savings with tax benefits
PopularSukanya Samriddhi Yojana – Girl child savings scheme
PopularRecurring Deposit – Monthly savings plan
Senior Citizen Savings Scheme – Retirement savings
National Savings Certificate – Fixed income investment
Post Office Monthly Income Scheme – Regular income
Kisan Vikas Patra – Money doubles in fixed period
Mahila Samman Savings Certificate – Women’s savings
NewRetirement & Pension Schemes
National Pension System – Market-linked pension plan
PopularAtal Pension Yojana – Guaranteed pension scheme
PopularEmployees’ Provident Fund – Employee retirement savings
PopularCalculate gratuity amount on retirement
Calculate monthly pension and retirement corpus
Social Insurance & Protection Schemes
PM Jeevan Jyoti Bima Yojana – ₹2 lakh life cover
Govt. SchemePM Suraksha Bima Yojana – Accident insurance ₹2 lakh
Govt. SchemePM Fasal Bima Yojana – Crop insurance for farmers
FarmersPostal Life Insurance – Life cover for govt. employees
Government Bonds & Securities
SGB Calculator – Government gold bonds returns
PopularGovernment Securities yield calculator
Capital gains bonds for tax saving
Floating Rate Savings Bonds calculator
Welfare & Support Schemes
Calculate PMJAY health insurance coverage gap
HealthcareCalculate PM-Kisan annual benefits ₹6,000
Coming SoonMahatma Gandhi NREGA wages calculator
Coming Soon❓ Frequently Asked Questions — Government Schemes Calculators
What is the current PPF interest rate for FY 2025-26?
The PPF interest rate for Q1 FY 2025-26 is 7.1% p.a., compounded annually. It has been unchanged since April 2020. The government reviews it quarterly. PPF deposits qualify for Section 80C deduction (up to ₹1.5L/year), interest is tax-free, and the entire maturity (after 15 years) is exempt under Section 10(11).
What is the SSY interest rate and who is eligible?
Sukanya Samriddhi Yojana (SSY) rate for Q1 FY 2025-26: 8.2% p.a., compounded annually. Eligible: girl children under age 10. Account opened by parents/guardians at any post office or authorised bank. Max deposit: ₹1.5 lakh/year. Account matures when the girl turns 21. Deposits qualify for Section 80C deduction; maturity is fully tax-free.
Who is eligible for SCSS and what is the interest rate?
SCSS (Senior Citizen Savings Scheme) is for individuals aged 60+ (or 55+ for VRS/superannuated employees). Rate: 8.2% p.a. (Q1 FY 2025-26), paid quarterly. Maximum deposit: ₹30 lakh (revised in 2023). Tenure: 5 years (extendable by 3 years). Deposits qualify for 80C deduction; interest is taxable as income.
What is KVP and when does it double?
Kisan Vikas Patra (KVP) is a post office scheme where money doubles at a fixed rate. At 7.5% p.a. (Q1 FY 2025-26), it doubles in approximately 115 months (9 years 7 months). Available at post offices in denominations of ₹1,000 to any amount. KVP is available to all Indian residents (not just farmers, despite the name). No 80C benefit.
Can NRI invest in PPF, SSY, or other small savings schemes?
No — NRIs are not eligible to open new PPF, SSY, SCSS, NSC, or KVP accounts. If a resident PPF/SSY account holder later becomes an NRI, the account continues till maturity at the post office savings account rate (4% p.a.) — not the regular PPF rate. NRIs looking for similar tax-efficient investments can consider NRE/FCNR fixed deposits or direct equity investments via NRE/NRO accounts.