CalcuTools · Government Savings
Government Savings Schemes 2026 | PPF, NSC, SCSS, KVP & POMIS Compare major Indian small-savings schemes using current Q2 FY 2026-27 rates and transparent planning rules.
7.1% PPF Long-term savings with annual interest crediting and a 15-year base term.
PPF Calculator 7.7% NSC Five-year National Savings Certificate planning and maturity calculation.
NSC Calculator 8.2% SCSS Senior-citizen savings with quarterly interest payout and a five-year term.
SCSS Calculator 7.4% POMIS Monthly-income planning from the Post Office Monthly Income Scheme.
POMIS Calculator 7.5% KVP Kisan Vikas Patra planning with the current 115-month maturity period.
KVP Calculator Current quarter Compare Compare rate, term, payout pattern and planning constraints without declaring a universal winner.
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Plan around your constraints Use the Government Savings Decision tool to model amount, time horizon, monthly-income need and age, then use the result alongside the wider Wealth Decision Engine.
Start decision tool Current data vintage: Q2 FY 2026-27, 1 July–30 September 2026. The Department of Economic Affairs notification dated 30 June 2026 kept small-savings rates unchanged for this quarter.Official source: Department of Economic Affairs small-savings notification . For scheme-specific rules, verify the current India Post scheme documentation.
Planning tools use dated public-source inputs and transparent assumptions. Rates can change by quarter or scheme rules. Re-check the official source before acting.