Official Data Sources

Last updated: June 2026

Every interest rate, tax slab, and scheme rule used in our calculators is sourced from an official government, regulatory, or statutory body. This page lists the primary sources we rely on, organised by calculator category. We re-check these sources at the start of every financial quarter, and immediately after any Union Budget or RBI Monetary Policy Committee announcement.

Tax & Income

Data	Official Source
Income tax slabs (new & old regime)	Income Tax Department, Govt of India
Union Budget tax changes	Ministry of Finance — Union Budget
Capital gains tax rates	Income Tax Department
GST rates & slabs	GST Council / GSTN

Small Savings Schemes

Scheme	Official Source
PPF, NSC, KVP, SCSS, POMIS, SSY rates	National Savings Institute, Ministry of Finance
Post Office scheme rules	India Post — Department of Posts
Quarterly small savings rate notification	Department of Economic Affairs

Retirement & Provident Fund

Data	Official Source
EPF interest rate	Employees' Provident Fund Organisation (EPFO)
NPS scheme returns & rules	NPS Trust / PFRDA
Atal Pension Yojana (APY) rules	PFRDA / NSDL e-Governance
Gratuity calculation rules	Payment of Gratuity Act, 1972 — Ministry of Labour & Employment

Loans & Banking

Data	Official Source
Repo rate & monetary policy	Reserve Bank of India
Bank lending rates (reference)	Individual bank official rate pages (SBI, HDFC, ICICI, Axis)
CIBIL score ranges & factors	TransUnion CIBIL

Mutual Funds & Investments

Data	Official Source
Mutual fund regulations & categories	Securities and Exchange Board of India (SEBI)
Industry SIP/AUM data & formulas	Association of Mutual Funds in India (AMFI)

Rate Update Frequency

Small savings scheme rates (PPF, NSC, SCSS etc.) are revised quarterly by the government — typically announced in the last week of March, June, September, and December for the upcoming quarter. We update our default values within 3-5 business days of each notification. Income tax slabs and GST rates only change with a Union Budget or GST Council meeting, and we rebuild the relevant calculator logic immediately after such announcements are finalised into law.

Found an Outdated Rate?

If you find a rate on our site that does not match the current official notification, please let us know via our Contact page with a link to the official source — we prioritise these reports and typically correct verified errors within 48 hours.

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